Banking system controlled responsive to data bearing records to sequentially provide preassigned ordered marketing and campaign presentations to a particular individual over different transactions

ABSTRACT

An automated transaction machine includes a card reader that can read a unique magnetic characteristic of a magnetic stripe on a card. The machine can then send data reflective of the read characteristic to a remote card validator. The card validator can compare the received data to referenced magnetic characteristic data corresponding to cards authorized for use with the machine. The machine can also communicate with a transaction host computer to carry out a financial transaction. As a result of the magnetic data comparison, an invalid card can be discovered and a fraudulent transaction prevented. Communication between the card validator and machine is independent from communication between the transaction host and machine.

CROSS REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. application Ser. No.13/373,528 filed Nov. 17, 2011, which is a continuation of U.S.application Ser. No. 12/924,633 filed Oct. 1, 2010, now U.S. Pat. No.8,061,593, which is a continuation of U.S. application Ser. No.11/981,783 filed Oct. 31, 2007, now U.S. Pat. No. 7,980,462, whichclaims the benefit of U.S. provisional application 60/858,962 filed Nov.13, 2006. Application Ser. No. 11/981,783 is also a continuation-in-partof U.S. application Ser. No. 10/330,730 filed Dec. 27, 2002, now U.S.Pat. No. 7,379,893, which is a divisional of U.S. application Ser. No.09/449,426 filed Nov. 24, 1999, now U.S. Pat. No. 7,039,600, whichclaims the benefit of U.S. provisional application 60/110,125 filed Nov.27, 1998. The disclosure of each above application is hereinincorporated by reference.

TECHNICAL FIELD

The technical field appears to substantially correspond to USPTO class235 under one or more of subclasses 375, 379, 380, 382, and 449. Anexemplary form of the invention relates to devices that can sense databearing records. Exemplary embodiments include magnetic card-activatedapparatus, systems, and methods that utilize information read by areader device from a magnetic stripe card. An exemplary arrangementincludes a banking system machine having a magnetic reader device, wherethe machine is adapted to allow usage thereof to carry out a transactionresponsive to correspondence between read magnetic data and authorizeduser data.

BACKGROUND ART

Automated transaction machines are known in the prior art. A common typeof automated transaction machine is an automated teller machine (ATM).ATMs are commonly used by consumers to conduct financial transactions.Transactions commonly conducted at ATMs include dispensing cash, makingdeposits, transferring funds between accounts, check cashing, billpayment and account balance inquiries. Other types of transactions maybe carried out on an automated basis at ATMs depending on the particulartransaction function devices included in the machine.

Other types of automated transaction machines may also be used forcarrying out financial transactions of other types. For example,automated transaction machines may be used for dispensing tickets,dispensing and receiving gaming materials, issuing scrip, issuing orredeeming vouchers or other items, as well as other types oftransactions. For purposes of this disclosure, an automated transactionmachine will be considered as any machine that is used to conducttransactions that involve transfers of value. For purposes of thisdisclosure a financial transaction will include any transaction thatinvolves a transfer of value. Although the description herein will bemade with reference to an ATM, it should be understood that theprinciples discussed are equally applicable to many types of automatedtransaction machines.

Automated teller machines which are conventionally deployed today areprogrammed to execute a series of steps. The steps generally includecommunication with a remote host computer to carry out bankingtransactions. ATMs generally include a display screen or other userinterface for instructing users in the operation of the machine. Theprogramming of the machine is such that each user of a particularautomated teller machine is presented with the same displays or“screens” in the course of conducting their transactions. While somescreens may include the customer's name, which is often read from theircard, and information such as amounts input by a customer through akeyboard, the screens are otherwise the same for all users. It is commonfor the operator of the ATM such as a financial institution to includepresentations in the screens promoting the operator's institution.However, promotional messages are provided to every user of the ATM.

FIG. 1 shows an exemplary system 10 including an ATM 12 and a remotehost computer 14. The ATM and host computer are enabled to communicatethrough a network 16. It should be understood that the network in mostexisting systems may include a telephone line, data line or lease lineconnection as well as several intermediate computers, which assist intransferring the messages between the ATM and the host which canauthorize the transaction.

The steps which occur in conducting a typical cash dispense transactionare shown. Typically when an ATM is waiting for a transaction, an idlescreen is presented which prompts an approaching user to insert theircard. This is represented by step 18 in FIG. 1. Once the user insertstheir card, the card reader in the ATM operates to read the informationfrom the card. This information typically includes the user's name andprimary account number (PAN). Additional information may also beincluded. The reading of the card is schematically represented by step20.

After the card is read, the ATM operates to present another screen whichprompts the customer to input their personal identification number(PIN). This is represented by a step 22. As represented by step 24, theATM receives the customer's PIN through the keypad, touch screen orother input device on the ATM. After receiving the PIN, the ATMgenerates another screen which prompts the customer to select atransaction. This is represented by step 26. The customer then makes aselection of a transaction by actuating an input device. This isrepresented by a step 28. In various types of ATMs the input of thetransaction selection may be made by touching a function key locatedadjacent to the screen display. In other ATMs, which include touchscreen type devices, the customer may select a transaction by bringing afinger adjacent to the touch screen. Other types of ATMs may havedifferent types of input devices through which a transaction selectionmay be made.

After the customer has provided a transaction request inputcorresponding to a transaction type, the ATM typically presents anotherscreen which prompts the user to select an account to which thetransaction will be related. This is represented by a step 30. Usuallythe customer has the option of selecting either a checking or a savingsaccount for a cash dispense or deposit transaction. In addition, if thecustomer has selected a dispense transaction, as will be the case inthis example, the customer may be presented with the option of receivingthe funds as a cash advance on a credit card. The user responds to theaccount selection screen by providing inputs to one of the input devicesto indicate the particular account. This is represented by a step 32.

After the customer has selected the transaction and the account to beused, another screen is presented by the ATM to prompt the customer toenter an amount. This is represented by a step 34. In this exemplarytransaction the customer is going to receive a dispense of cash, and inresponse to the prompt screen the customer inputs a numeric valuecorresponding to an amount of cash they wish to receive through thekeypad or other input device. This is represented by a step 36. Itshould be understood that different or other steps may be involved inother transaction types.

In the exemplary withdrawal transaction being discussed in connectionwith FIG. 1, a customer has now input to the ATM all the informationnecessary to formulate a request message to a remote host computer. Thisrequest message is schematically indicated 38. In the exemplaryembodiment the request message may be a Diebold® 91X type transactionmessage, which is a known format for use by ATM networks. The requestmessage 38 includes information representative of the customer's accountnumber 10, transaction selection and amount requested.

The host 14 receives the request message 38 through the network 16. Therequest message is enabled to be routed through the network based oninformation which identifies the institution where the user has theiraccount. This information is typically included in the account number onthe customer's card. This institution identifying portion is commonlyknown as a bank identification number (BIN). When the host 14 receivesthe request message, the host computer operates to verify that the PINinput by the customer corresponds to the PIN for their account number.The host also checks to verify that the amount they wish to withdraw isavailable from the selected account. This is done at a step 40. Whilestep 40 is occurring at the host computer, ATM 12 presents a “wait”screen to the user. This is represented by a step 42. Typical waitscreens commonly advise the customer that “your transaction is beingprocessed” or may include statements such as “please wait” or the like.

When the host 14 determines that the customer's PIN was input correctlyand that the money is available in their account, the host generates aresponse message 44. Response message 44 is returned to the ATM throughthe network 16. It is assumed for purposes of this example that theresponse message includes data representative of the fact that thetransaction requested has been authorized. Commonly such messagesinclude an indication of the next “state” that the machine shouldexecute, and this information is used by the ATM to either perform therequested transaction or to display a screen advising the customer thattheir transaction cannot be processed.

In this example it is presumed that the transaction is authorized andthe response message causes the ATM to run its cash dispenser and othertransaction function devices that must operate to achieve a dispense ofcash. This is represented by a step 46. When the cash is dispensed theATM will also print a receipt for the customer as represented by a step48 and will generally make a hard copy record concerning the transactionin a journal which is represented by a step 50.

The execution of the cash dispensing and printing steps also causesscreens to be displayed in response to the then current states, whichstates are part of the programming in the ATM and which control thelogic flow of the machine in the course of performing transactions. Theprogramming of the ATM would generally cause a screen prompting the userto take their cash to be displayed once the cash is dispensed. This isrepresented by a step 52. Once the receipt is printed, a screen isgenerally displayed which prompts the user to take their receipt. Thisis represented by a step 54. It should be understood that these varioussteps and the screens may vary depending on the transaction involved andthe programming of the ATM machine.

The ATM having performed the transactions successfully will generate amessage back to the host advising the host computer that the customer'saccount balance should be modified in accordance with the transactionconducted. This is done through a completion message schematicallyindicated 56. For purposes of this example it will be presumed that thecompletion message includes data representative of the transaction beingcarried out successfully. If the transaction could not be carried outsuccessfully the completion message may include informationrepresentative of that fact. Upon receipt of the completion message thehost 14 operates in accordance with its programming to assess theappropriate charge to the customer for the cash received as representedat a step 58 and to make a record of the transaction as represented by astep 60.

The ATM will then generally operate in accordance with its programmingto present a screen prompting the user to indicate if they would likeanother transaction. This is represented by a step 62. If the userwishes to have another transaction conducted, they may do so byproviding an input to that effect. The machine then returns to the pointin the logic flow indicated by arrow B. This is represented by a step64. If the customer does not wish to conduct another transaction they soindicate by providing a different input. This is represented by a step66. The ATM then operates in accordance with its programming to returnthe customer's card at a step 68. A screen is then presented promptingthe user to take their card which is represented by a step 70, and theATM returns to the beginning of the logic flow as represented by arrowA. In this condition the ATM is ready to receive a card from anothercustomer and to conduct additional transactions.

While conventional ATM programming is highly efficient for conductingtransactions, it provides only a limited range of marketing capabilitiesto the ATM operator. While the operator may present some customizedmaterial in their screens promoting services provided by theinstitution, such information will not be of interest to many users. Inaddition, when institutions provide promotional messages, they oftenprovide information that is only of value to customers of the particularinstitution. ATM users who are not generally customers of theinstitution will often have no interest in the promotional messagespresented.

Some prior art systems have developed the capability of conducting ananalysis of customer information at the host computer. The host computereither itself or through other connected computers may determine aparticular marketing message that might be appropriate to present to theparticular customer. The response message generated by the host mayinclude data representative of a particular message to present.Alternatively, the ATM may include a CD-ROM or other data storage devicewhich has marketing presentations thereon. The response message from thehost may include an instruction to play one of these marketingpresentations for the customer. The ATM then operates in accordance withthe response message to provide the message to the customer.

While this approach provides more marketing options for operators ofATMs, such systems have drawbacks. One of these drawbacks is that it canslow transaction times for ATM operators by requiring the host to notonly do the necessary financial transaction processing, but also thenecessary processing to determine the appropriate marketing message.This additional processing time combined with the promotional messagepresentation time can slow down a user's operation of an ATM and annoyboth the user and others who are waiting to use the machine.

A further drawback associated with such prior marketing systems is thatthe ATM programming and financial transaction flow must be significantlymodified to accommodate the display of marketing presentations. Inaddition, the ATM must be modified to accommodate additional devicessuch as a video disc player or other appropriate storage medium for thepresentations. A further drawback is that such systems do not have thecapability of receiving responsive inputs from the customer concerningthe presentation. This inability to obtain immediate feedback throughthe ATM terminal as well as the inability for a user to immediatelyaccept a marketing offer, usually results in the user not following upon the offer even if there is some interest.

A further drawback associated with existing ATM marketing systems isthat users will generally receive the same promotion every time they usethe ATM. As a result, after the first presentation the user willgenerally ignore further follow-up presentations and will consider theirpresentation an inconvenience. A further drawback of existing systems isthat the data which specifies the marketing information must come fromthe host computer that can authorize the transaction. Many times this isnot a host computer that is controlled by the operator of the machine.If the host computer relies on presentations stored at the ATM machineto give the appropriate promotional message, and the ATM does notinclude this capability, no promotional message may be sent. A furthercomplication would be if the ATM has the capability but the presentationfiles stored do not correspond with those that the host expects. Thiscould result in a presentation of a totally inappropriate message to theuser. A further drawback of such existing approaches is that the ownerof the ATM cannot specifically address messages to those users who arenot currently customers of the owning institution. This is because theentity owning the ATM cannot authorize the transaction unless thecustomer is one who already has their account with the institutionowning the ATM. Conventional systems do not enable the ATM owning entityto selectively provide presentations to users who are not its customersfor other purposes.

ATMs are also now increasingly owned or leased by the operators of thefacilities in which they are installed. Alternatively the owner of thefacility may rent space to an entity that provides the ATM. Thesefacilities may include for example fast food restaurants, grocerystores, gas stations, bars, casinos or other facilities. Such ATMspresent opportunities for marketing of products provided by their owneror an associated franchise of which their owner is a participant. SuchATMs may be used to promote products of the facility. In addition,operators of facilities where such ATMs are installed may not object toother products being promoted through their ATMs. This is particularlytrue if such other products would help to generate revenue from theadvertiser. However, they would not want their competitor's productspromoted on their ATM. At present there is no effective way to providesuch marketing messages on a selective wide scale basis.

Thus, there exists a need for an improved ATM customer marketing systemthat is used to provide marketing messages to ATM users selectivelybased on the particular user as well as the location of the machine theyare operating. There further exists a need for an ATM marketing systemthat does not significantly slow ATM transaction times and which doesnot adversely impact the financial transaction process and capabilitiesof the machine.

DISCLOSURE OF INVENTION

It is an object of an exemplary embodiment to provide an ATM customermarketing system and method.

It is a further object of an exemplary embodiment to provide an ATMcustomer marketing system and method that may be used to selectivelyprovide marketing messages to a user.

It is a further object of an exemplary embodiment to provide an ATMcustomer marketing system and method that may be used to selectivelyprovide a sequence of marketing messages to a user during differentvisits to ATM machines.

It is a further object of an exemplary embodiment to provide an ATMmarketing system and method that can receive immediate feedback from ATMusers concerning marketing messages.

It is a further object of an exemplary embodiment to provide an ATMcustomer marketing system and method that does not impact the underlyingspeed and reliability of the ATM in processing financial transactions.

It is a further object of an exemplary embodiment to provide an ATMcustomer marketing system and method that selectively enables thepresentation of different promotional messages and campaigns amonggroups of ATM machines.

It is a further object of an exemplary embodiment to provide an ATMcustomer marketing system and method that enables analysis and use ofthe results of ATM marketing campaigns.

It is a further object of an exemplary embodiment to provide a method ofoperating an ATM customer marketing system which provides increasedeffectiveness in marketing to ATM customers.

It is a further object of an exemplary embodiment to provide a methodand system for marketing to users of automated transaction machines.

It is an object of an exemplary embodiment to provide an ATM with aremote card validation system and method.

It is a further object of an exemplary embodiment to provide a cardvalidation system and method that may be used to selectively validatethe authenticity of user cards.

It is a further object of an exemplary embodiment to provide an ATM witha card validation system and method that can operate independently of anATM transaction host.

It is a further object of an exemplary embodiment to provide a cardvalidation system and method that does not impact the underlying speedand reliability of the ATM in processing financial transactions.

Further objects of exemplary embodiments will be made apparent in thefollowing Best Modes for Carrying Out Invention and the appended claims.

The foregoing objects are accomplished in an exemplary embodiment byproviding an automated transaction machine such as an ATM which iscapable of carrying out transactions with connected financial computers.The ATM is programmed to send information representative of the identityof the customer to a remote computer which is different from thecomputer which is involved in authorizing the ATM transaction. In anexemplary embodiment, this information, which is representative of acustomer's account number, is sent at the earliest available opportunityin the transaction before a financial transaction message is sent to theremote computer which processes the financial transaction requested bythe user.

The computer handling the marketing message activity receives theinformation identifying the customer and determines the appropriatemessage or series of messages to be presented to the customer. A messageincluding data indicative of this information is returned to the ATM.The ATM presents this information to the customer through its interfaceduring the financial transaction. In some exemplary embodiments,marketing sessions may be conducted during lull times such as when themachine is waiting for a response message from an ATM host or at othersuitable times during the transaction. The customer is also enabled torespond with choices and input data in response to the marketingmessages presented. This information is returned to the computerhandling the marketing information. This enables the customer'sindication of interest or acceptance of offers to be promptly respondedto. In addition, the system of an exemplary embodiment enables the ownerof the ATM to control the presentation of messages. This may beparticularly helpful when the owner of the machine is attempting toobtain additional business from users of its ATM who are customers ofother institutions.

The exemplary embodiment further includes a system for preparingpromotional campaigns which include marketing presentations. Thecampaigns are selectively delivered and executed in ATMs connected tothe system. This enables different types of promotional messages to beselectively presented at different ATMs. The exemplary embodiment alsoprovides for the distribution of coupons and similar premiums. Theexemplary system further includes the tracking and analysis of thedistribution of premiums and other marketing information. The exemplarysystem also provides other types of marketing and presentationcapabilities at ATMs and other types of automated transaction machines.

BRIEF DESCRIPTION OF DRAWINGS

FIG. 1 is a schematic view of an ATM transaction system and the logicsteps executed in carrying out an exemplary cash withdrawal transaction.

FIG. 2 is a schematic view of an ATM customer marketing system of anexemplary embodiment.

FIG. 3 is a schematic view of the software architecture included in anATM used in an exemplary embodiment.

FIG. 4 is a schematic view of the software agent that operates in themachine represented in FIG. 3.

FIG. 5 is an exemplary embodiment of the architecture and data flow inthe exemplary embodiment of the system.

FIG. 6 is a schematic representation of database components used in thesystem of the exemplary embodiment.

FIG. 7 is a schematic view representative of how the system operates inconnection with ATMs to present marketing information.

FIG. 8 is a schematic view representative of how marketing campaigns arepresented to an ATM user through the presentation of a sequence ofmessages.

FIG. 9 is a schematic view of messages of a first type that arepresented to a user of an ATM to encourage them to open a checkingaccount with an institution owning the ATM.

FIG. 10 is a schematic view of presentations presented to an ATM userduring a series of visits to ATMs to encourage them to acquire checkingoverdraft protection.

FIG. 11 is an exemplary sequence of messages that are presented to anATM user to encourage them to take advantage of an offer which allowsthem to skip credit card payments.

FIG. 12 is a schematic view of the ATM customer marketing system and thesoftware components used therein to distribute campaigns and to obtainthe results thereof.

FIG. 13 is a schematic view of software components used in the ATMcustomer marketing system for purposes of presenting targeted messagesto particular users.

FIGS. 14 through 31 are a schematic representation of the logic flow inan exemplary transaction which demonstrates features of the ATM customermarketing system of the exemplary embodiment.

FIG. 32 is a schematic view of the exemplary relationships betweencategories of data used in connection with distributing and presentingmarketing information through an ATM marketing server to automatedtransaction machines.

FIGS. 33 through 86 are exemplary screen displays representative of theoperator interface presented in connection with developing,distributing, presenting and analyzing marketing campaigns and messagesat ATMs, as well as the logic associated therewith.

FIG. 87 is an example of a screen presented at an ATM in response to apresentation directed to the particular user and particularcircumstances which may be achieved through operation of exemplaryembodiments of the system.

FIG. 88 is a schematic view of components connected in the system whichoperate to carry out the functions of marketing to particular users aswell as to categories of users at a plurality of ATM machines.

FIG. 89 is an exemplary embodiment of the relationship between connectedcomputers in the system represented in FIG. 88.

FIG. 90 is a schematic view showing an exemplary logic flow carried outby ATM machines in conducting a marketing session as well as a financialtransaction for a customer.

FIGS. 91-96 are graphical views representative of steps in thetransaction represented in FIG. 90.

FIG. 97 is a schematic view of an alternative logic flow used inconducting a marketing session and a financial transaction for a user atan ATM.

FIG. 98 is a schematic view of an ATM in independent communication withboth a financial transaction system and card validation system.

FIG. 99 shows data communication flow between an ATM, validation server,and card database.

FIG. 100 shows a plurality of ATMs which can each independentlycommunicate with a financial transaction host and card validationserver.

FIG. 101 shows an ATM which can independently communicate with each of afinancial transaction server, a marketing server, and card validationserver.

FIG. 102 shows a plurality of ATMs which can each independentlycommunicate with each of a financial transaction server, a marketingserver, and card validation server.

FIG. 103 shows an exemplary form of a magnetic characteristic readingdevice.

FIG. 104 shows an exemplary form of an automated transaction machine.

BEST MODES FOR CARRYING OUT INVENTION

Referring again to the drawings and particularly to FIG. 2, there isshown therein schematically a system generally designated 72 whichincludes a first form of an exemplary ATM customer marketing system. Itshould be noted that this exemplary system includes a range ofcapabilities intended to demonstrate aspects of exemplary embodiments.Other systems which are encompassed by an exemplary embodiment may notinclude all the features described herein. Embodiments may also haveother or additional features.

The exemplary system shown in FIG. 2 includes ATMs 74, 76, 78, 80, 82,84 and 86. These ATMs may be similar to ATM 12 previously discussed ormay be other types of ATMs or automated transaction machines. It shouldbe understood that this grouping of ATMs is exemplary. In the exampleshown, ATMs 74 and 76 are shown in communication with a network 88.Network 88 is an ATM or other financial transaction network whichcommunicates transaction messages between the ATMs and an ATM hostcomputer schematically indicated 90. Such communications may occurbetween ATMs 74, 76, and host 90 in a manner similar to thecommunications between ATM 12 and host 14 previously described.

ATMs 78 and 80 communicate through a network 92 with a host 94. ATMs 78and 80 may communicate, for example, to a different host or ATMprocessor than ATM 74 and 76. As schematically represented, a networkinterconnection 96 may enable hosts 90 and 94 to communicate. Thisinterconnection may allow a customer whose transactions are processed athost 94 to use ATM 74.

ATMs 82 and 84 are connected through a network 98 with a transactionhost 100. Transaction host 100 is representative of a host computerwhich is not interconnected to other transaction processing hosts. Thismay be, for example, a closed system in which ATM users are only enabledto use the machines which are operated by the particular institutionwith which they have accounts. Alternatively, host 100 may berepresentative of a credit card processing system. ATMs connected tosuch systems may only be enabled to dispense cash and have the amountdispensed charged to the credit card along with a transaction processingfee. This is in contrast to debit card systems which often enable a userto dispense money directly from their checking or savings account. Ofcourse, in some cases debit card accepting systems may also enable theuser to take a cash advance on a credit card.

The ATM 86 is schematically representative of an open systems type ATMof the type shown in published International Application PCT/US97/21422filed Nov. 25, 1997, and published as WO98/24041 which is owned by theAssignee of the present invention and which is incorporated by referenceas if fully rewritten herein. ATM 86 is shown connected through a TCP/IPconnection 102 to a transaction host or server 104. Transaction server104 is capable of operating the ATM 86 through a TCP/IP connection. Inaddition, server 104 may be connectable to a network 106 to otherservers in the network. Network 106 may be a local area network, a widearea network or even the Internet. Network 106 may provide connectionsto other servers which are capable of verifying the identity of the useroperating ATM 86 as well as to authorize transactions. Any of the hostcomputers represented may operate to process transactions in the mannerdescribed in allowed U.S. patent application Ser. No. 08/813,510 filedMar. 7, 1997, which is owned by the Assignee of the present inventionand which is incorporated by reference as if fully rewritten herein. Itshould be understood that these ATM transaction processingconfigurations are exemplary and in other systems other configurationsmay be used.

As will be appreciated from the foregoing discussion, each of the ATMscommunicates transaction messages with a respective transaction host andnetwork. These transaction messages include the messages necessary toauthorize financial transactions. However, in the exemplary system 72,each of the ATMs also is connected to a TCP/IP network 108. The TCP/IPnetwork has connected thereto a computer that is separate from the hostcomputer which is used to authorize transactions. This computer is amarket message server schematically indicated 110. The market messageserver is in operative connection with a database 112. Database 112 inthis exemplary system includes data related to ATMs, promotionalmaterials, campaigns, customers and other information necessary ordesirable to selectively make marketing presentations to users at theATMs. It should be understood that while the exemplary network 108communicates messages in TCP/IP, in other embodiments othercommunications methods may be used.

The market message server may also be connected to a market systemschematically indicated 114. The market system may include one or moreconnected computers and databases such as a data warehouse which is usedfor holding information concerning users of the system. System 114 mayin addition or alternatively be a system that can be accessed forpurposes of importing marketing presentation materials. Market system114 may also or alternatively be a connected system for providingoutputs which may be used to follow up on customer responses or torespond to customer requests. System 114 may also include capabilitiesfor analyzing and modifying promotional messages and marketingcampaigns. Various different or additional features may also be employedin the various systems connected to the market message server 110 andmarket system 114. As schematically indicated, market system 114 may beconnected to the network 108 or may be connectable to one or more marketmessage servers through various other types of electronic connections.

Network 108 further has connected thereto an additional server 116.Server 116 may be used for carrying out various types of functions inthe system. One exemplary application which may be operated in server116 is an event management system as described in allowed U.S. patentapplication Ser. No. 08/813,511 filed Mar. 7, 1997, which isincorporated by reference as if fully rewritten herein. The eventmanagement system is operative to receive messages that are indicativeof conditions or status type information which exists at ATMs and tonotify appropriate persons to take responsive or corrective action. Inaddition, the event management system may be operative to providefollow-up messages concerning conditions and to analyze statusconditions which occur. Of course, other types of servers which carryout other types of functions may be included in the network 108.

FIG. 3 is a schematic view of the software architecture which resides ona computer in an exemplary ATM which is used in connection with anexemplary embodiment. This exemplary architecture schematicallyindicated 118 includes an operating system schematically indicated 120.Operating system 120 may be any of a number of operating systems such as052® version 4 from IBM, Windows98® or WindowsNT® from Microsoft orother suitable operating systems that operate in one or more computersto carry out the functions described herein. As schematicallyrepresented in FIG. 3, the operating system is in operative connectionwith a system clock 122.

Software applications running in the ATM include a terminal controlsoftware application schematically indicated 124. The terminal controlsoftware application is operative to control transaction functiondevices used in the ATM. These transaction function devices include thedevices in the ATM that carry out transaction functions. These includein exemplary embodiments, a card reader, input keys, function keys,sheet dispensers, printers, depositories, check reading devices andother transaction related components. The terminal control softwareapplication provides control signals and receives signals from thetransaction function devices through respective device interfacesschematically indicated 126, 128, 130, 132 and 134. It should beunderstood that these devices and device interfaces are exemplary andthat other exemplary embodiments may include other or additional devicesand interfaces.

The exemplary embodiment of the software architecture 124 furtherincludes a communication subsystem 136. A communication subsystem isoperative to provide communication of messages from the ATM to otherconnected components. Such messages are preferably made by thecommunication subsystem in the protocols and message formats which arerequired by connected systems. In the embodiment shown, thecommunication subsystem is shown schematically with a connection 138which represents a connection to an ATM host. This host connection maybe a connection which provides, for example, a lease line connectioncommunicating Diebold 91X transaction messages of the type previouslydescribed in the suitable protocol which can be handled by the financialtransaction host. The connection is made through a suitable driver orother interface to the communication system which connects to the host.

The communication subsystem is also shown with a modem connection 140.This modem connection may be a continuous phone line type connection ora dial-up connection. The modem connection 140 may be controlled tocommunicate with other systems and components including components whichmay be connected to TCP/IP type networks and other types of networks.The communication subsystem 136 further includes an output 142, which inthe embodiment shown is representative of a TCP/IP connection. Such aconnection may be to TCP/IP network 108 or other networks. Theconnection may be made through a suitable network interface. It shouldbe understood that these connections are exemplary and that other typesof communications connections and configurations may be used in otherexemplary embodiments. In addition, in some exemplary embodiments theATM may connect to more than one network through a single physicalconnection.

As shown in FIG. 3, the software architecture further includes anoperatively connected database 144. Database 144 preferably resideslocally relative to the ATM and may include one or more data storagedevices or regions which provide data storage for instructions,configuration data and other data used in operation of the varioussoftware components which operate within the ATM. As will further bediscussed in detail, in an exemplary embodiment the data store alsoincludes marketing presentation materials schematically indicated 146.These marketing presentation materials may include for example MPEGfiles, coupon graphics, coupon configuration data, screen icons, localstates, local screens and activation script or other programming forcausing the operation and presentation of such items in the computer ofthe ATM.

In the exemplary software configuration shown in FIG. 3, a states andscreens application 148 is shown in connection with the communicationsubsystem 136. The states and screens application includes programswhich correlate graphical output screens and programmed states whichexist within the configuration of the machine. Such states may berepresentative of particular conditions or points in the execution oftransaction logic flows which have associated screen presentations. Inaddition, the states and screens application may include states andscreens logic downloaded or otherwise installed into memory in themachine which enables the execution of steps and the presentation ofscreens associated with marketing presentations which may be presentedto users at the ATM.

A further software agent shown in connection with the communicationsubsystem 136 is associated with presenting marketing presentationstargeted specifically to the current user of the ATM. The software agentis referred to as a 1:1 agent and is schematically indicated 150. Agent150 executes program steps which cause the ATM to send information whichidentifies the current user to an external system such as the marketmessage server. Agent 150 is also preferably operative in response tomessages it receives to execute steps which cause presentations to bemade and which cause user responses to presentations to be passed to themarket message server or other connected systems. Agent 150 is operativeto accomplish this activity without substantially affecting theoperation of the ATM with regard to financial transaction messages. Inone exemplary embodiment later discussed, the 1:1 agent is operative toreceive messages indicative of marketing messages to be presented to auser of the ATM through a separate communications path other than thatused for transaction messages, and at a time before a transactionresponse message is received from the transaction processing host.

A further software agent designated ESD agent 152 is in communicationwith the communication subsystem 136. The ESD agent as later describedin detail is operative to control the loading of market messages intothe data store associated with the computer that operates in the ATM. Inaddition, ESD agent 152 in this exemplary embodiment is operative tocontrol the presentation of marketing messages and other itemsassociated with campaigns presented at the ATM. The ESD agent 152 isfurther operative to provide information concerning marketing messagesand campaigns to a connected server such as the market message server sothat results can be analyzed.

A further agent in operative connection with the communication subsystem136 is a coupon application schematically indicated 154. Couponapplication 154 works in cooperation with other applications in a mannerhereinafter described to provide users of the machine with coupons andother promotional items associated with marketing messages andcampaigns.

The exemplary software architecture 118 further includes an events agentschematically indicated 156. The events agent 156 is operative tomonitor the generation of status messages of the solicited andunsolicited types by the transaction function devices and other deviceswithin the ATM. The events agent 156 is responsive to the generation ofstatus messages and to transmit corresponding messages either by modemor other communications channel to a server operating an eventmanagement system which takes action in response to these messages. Theevents agent 156 avoids the need to send messages to the serveroperating the event management system through the financial transactionprocessing host. This facilitates the delivery of messages to theparticular entities that are responsible for taking corrective action atthe ATM which generated the status message.

The operation and architecture of an exemplary embodiment of an ATMcustomer marketing system is schematically represented in FIG. 5. An ATM158 includes a computer 160 which is in operative connection with a datastore 162. The data store includes instructions for operating the ATMand executing the associated financial transaction logic flow. The datastore also includes data usable to generate a plurality of marketingpresentations, for example, screens, graphics, icons, coupon layouts andother promotional items, which are schematically represented as marketpresentation materials 164. The market presentation materials may beoriginally loaded into the ATM from one or more external sourcesschematically indicated 166. The presentation material sources 166operate to cause the presentation materials selectively downloaded intothe data stores associated with the ATMs in accordance with presentationand distribution logic which is established through a system referred toby the Assignee of the present invention as Iq® ESD, later described indetail.

The loading of the presentation materials from the presentation materialsources is achieved through use of a message gateway router (MGR)software component schematically indicated 168. The message gatewayrouter operates in a manner described in detail in the incorporated U.S.patent application Ser. No. 08/813,510 filed Mar. 7, 1997. The MGRconverts the original formats of the presentation materials to a formatsuitable for delivery to the ESD agent 152 resident on the ATM. MGR 168runs on a market message server schematically indicated 170 in FIG. 5.The market message server 170 is connected to a network 172 to which thecomputer in ATM 158 is connected. Network 172 may communicate usingTCP/IP or other suitable communications methods. The transfer anddistribution of the presentation materials from the sources areaccomplished selectively and in accordance with the configurationsestablished by a system operator. The selective transfer anddistribution is carried out responsive to message processing programs(MPPs) 174, which run in the market message server 170. Messageprocessing programs 174 are preferably operative to distribute marketpresentation materials at the times and in the manner desired by theoperator of the system. The message processing programs may be furtheroperative to provide downloading of states and screen data to enable thepresentation of such materials at the ATMs as well as to carry out otherfunctions as later described.

As is represented in FIG. 5, the market server further has operativetherein additional message processing programs 176. Such messageprocessing programs are in operative communication with user dataschematically indicated 178. The user data in the described embodimentincludes information about users and market data which can be used toselectively present marketing information to them at ATMs. The user data178 in the exemplary embodiment may reside in a data store resident inthe market server 170 or may be exported to or imported from otherexternal servers and systems schematically indicated 180. In otherembodiments the user data may reside in the data store in the ATM or inother areas in the system.

In the exemplary embodiment described herein the user data 178preferably includes information associated with each user as well asinformation that is correlated with particular marketing campaigns. Thismay include, for example, market segment data which is indicative ofdemographic, financial or other characteristics that are associated withthe user for marketing purposes. The user data may also include in thisexemplary embodiment, data representative of a particular marketingcampaign with which the user has been associated, and the particularpoint in the sequence of presentations which make up the campaign wherethe particular user is at the present time. Of course, other informationmay also be included in the user information.

In the exemplary embodiment each user is associated with at least onemarket segment. The segment or segments associated with the user andstored in correlated relation with the user identifying data in thedatabase is indicative of attributes of the user which can be used todefine products such as goods or services that the user may beinterested in purchasing. The user data for each user may also includeother information including information which corresponds to marketingpresentations which are not to be made to the user. This may includepersonal information about the user, historical information about theuser's responses to prior promotions, requests by the user that they notreceive certain types of promotional information, data which indicatesthat information about a user cannot be shared, or other informationthat is useful in making marketing presentations to a user. Aspreviously discussed the information about the user may also includeinformation which indicates the next presentation to be made to the userwhen they operate an ATM connected to the system. This may include forexample information about a marketing campaign which is being made tothe user. It may also include the last presentation that the user hasseen or a next presentation to be made to a user when they next operatea machine connected to the system. For some presentations the dataassociated with the user may include data representative of thepresentations which have been made to the user, have not been made tothe user, or other information that enables the computer to determine anappropriate presentation to make to the user.

In an exemplary embodiment, data is stored in a data store associatedwith the marketing message server which corresponds to campaigns.Campaigns include one or more presentations that may be made to a userat an ATM. A campaign may include several presentations which are to bepresented to a user in a particular sequence or order with each visit ofthe user to an ATM connected to the system. As later discussedpresentations in an exemplary embodiment may include script data orother instructions, which enable presenting to the user severaldifferent displays, questions or prompts during a marketing sessionduring an ATM transaction. Such presentations may also enable a user toinput information. The input information may then be transmitted backfrom the ATM to the marketing message server to enable the products thatthe user has ordered or expressed an interest in receiving, to bedelivered or further marketed to the user. In the exemplary embodimentusers are enabled to respond with responsive inputs to presentationswhich include questions or prompts. These responsive inputs may includeresponses to yes/no queries. They may also include for example,numerical inputs such as phone numbers or amounts. Such information isfurther usable in delivering or marketing products to the user. Itshould be understood that these approaches are exemplary and otherexemplary embodiments may employ different approaches.

In an exemplary embodiment, the operator of the system is enabled todevelop campaigns for presentation to users. These campaigns may includefor example, presentations to be made generally to users of the machinesduring various operations in the ATM transaction sequence.Alternatively, such campaigns may include a targeted sequence ofpresentations to which a customer may respond. For example users forwhom information is not stored in the data store may receivepresentations related to certain campaigns while users for whominformation is stored may receive presentations in campaigns directedspecifically to them. Such campaigns are schematically indicated 182 inFIG. 6. The exemplary embodiment is operative to provide records relatedto frequency of presentation and responses to marketing campaigns whichare schematically indicated 184.

As schematically represented in FIG. 7, the exemplary embodiment isenabled to distribute into the data stores of ATMs, presentationmaterials which can be presented and responded to totally independent ofmessages associated with financial transactions which are generated andreceived by the ATM. The system of the exemplary embodiment enablespresenting marketing messages generally in the course of transactions atselected machines in accordance with selected time and date parameters.The exemplary embodiment also enables providing targeted marketingmessages to particular users of ATMs. This includes, for example, asequence of messages included in a campaign directed at users in aparticular market segment.

FIG. 8 indicates schematically an example of a campaign targeted to aparticular user or a user in a given market segment. The campaignincludes a series or sequence of presentation messages. In the exemplaryembodiment, the campaign may involve several presentations which includemessages intended to familiarize a user with the product or to stimulateinterest. The user receives the first presentation during a first ATMtransaction schematically indicated 186 in FIG. 8. Later when a userconducts a second transaction at the same or different ATM connected tothe system, they will receive a second presentation in the campaignsequence. This is schematically indicated by a second transaction 188 inFIG. 8. Additional presentations in the sequence may be presented in athird ATM transaction 190 and in a fourth ATM transaction 192. Thepresentations may be made randomly but are preferably presented in aparticular predetermined order. Such presentations may include a requestfor the customer to make a decision concerning a proposal or to provideinformation in response to a marketing message, which a user does byproviding responsive inputs to the ATM. Campaigns may involve any numberof such presentations in a sequence as is reasonable under thecircumstances, and which are designed to spur consumer interest. Inaddition, inputs by users in response to campaign presentations,including inputs which indicate a lack of interest therein, may be usedby the logic of the market message system to select future campaigns tobe presented to users of the system or to modify existing campaigns.Customer responses to inquiries such as decision and input messages mayalso be exported by the system to other systems or personnel who canfollow up on decisions made by the customer in response to the marketingpresentations.

FIGS. 9, 10 and 11 provide exemplary campaigns targeted to users. FIG. 9depicts an exemplary campaign designated 194 designed to interest a userin opening a checking account with a bank operating an ATM. Thiscampaign is targeted to a user who is required to pay transaction feesbecause they do not qualify for free ATM usage. This may be because, forexample, they are not a customer of the particular bank who owns theATM, or they do not have the type of account to qualify for free ATMusage. The campaign at 194 presents to the user different presentationswhich include screen messages during the first two (2) visits to theATM, which are designed to get the user thinking about the issue. Thepresentation on the third visit causes a screen to be shown which asksthe user if they would like more information. In the operation of thisexemplary embodiment as later explained, the user is enabled to provideresponse messages and inputs. If the user provides a positive response,the logic associated with the presentation operates to captureinformation about how to contact the user. If the user declines, theyare provided with a coupon which may include a reminder that the usermay exercise the offer at a later date. Alternatively or in addition,the coupon may be a coupon or other premium to reward the customer forparticipating in the promotional campaign. In either case the inputsfrom the customer and other information about the marketingpresentations are returned to the market message server in a mannerlater explained so that further appropriate action may take place.

FIG. 10 details an exemplary campaign designated 196 which is a sequenceof presentations which cause the ATM to output messages intended tointerest a customer in acquiring checking overdraft protection on theiraccount. Again, the initial message is to stimulate interest. During thesecond visit the customer is encouraged to make a decision. The decisioninformation is followed by further appropriate messages, the responsesto which are returned to the marketing message server. Follow-upmessages are provided to the customer consistent with their decisionduring the second visit, on a subsequent ATM visit.

FIG. 11 shows an exemplary campaign 198. Campaign 198 consists of asequence of messages presented to a user of an ATM on successive visits.This campaign encourages a user to exercise the option to skip a paymenton a credit card after the holiday season. Again, as is the case withthe prior exemplary sequences, the user is given messages to interestthem in the product. Decisions and/or other inputs are made onsubsequent visits and the customer's decision is followed up in anappropriate manner as a result of activity carried out by the marketmessage server. Of course, campaigns 94, 96, and 98 are exemplary andmany other campaigns which may or may not involve user responses may bepresented by exemplary embodiments.

As can be appreciated from FIG. 5, in the exemplary embodiment targetedmarket messages are provided to selected users of the system. This isaccomplished through use of a software agent, such as agent 150,operating in the ATM. The agent operates to deliver customer identifyinginformation to the market message server 170 as soon as possible in thecourse of the ATM transaction. In the exemplary embodiment thisidentifying information may include the user's PAN which is read fromthe card of the user by the ATM early in the financial transactionsequence. Of course in other embodiments other identifying inputs to themachine may be used to identify the user. This may include biometricdata or other data that can be provided by the user or an itemassociated therewith. The agent 150 senses signals indicative of thisidentifying information being acquired and causes a marketing requestmessage which includes data corresponding to the PAN to be output in amessage to the network 172. In the exemplary embodiment the marketingrequest message includes a portion in an ISO 8583 message format.

The market message server receives this message which includes thecustomer identifying PAN. The message is transformed into a suitableinternal format message by the MGR 168. The message sent from the ATMwhich includes the customer identifying information includes indiciaindicating the type of message that it is, and based on this data theMGR routes the message to an MPP 176 that is capable of handling themessage. In this case the MPP operates to look up information in thedata store concerning the corresponding user and the next presentationin the campaign sequence that they are to receive. As previouslydiscussed, the next presentation may be a presentation which causes theATM to present a single screen or message to which no response isrequired. It may alternatively include a series of instructions whichcause the ATM to output messages which request inputs from the customer.

In response to its activity (or activities in connection with othercomponents and systems), the MPP outputs a marketing response messagewhich includes data representative of the presentation appropriate forthe customer in this situation. In the exemplary embodiment themarketing response message is also an ISO 8583 format portion. The MPPalso preferably notes the fact of the user's activity in a data storeand transfers a response message back through the MGR to the agentoperating in the ATM. The agent 150 then operates responsive to theinstructions in the presentation data to display the messages at theappropriate time in the transaction sequence in accordance with itsprogramming and/or the configuration local states and screensapplication 148. In the exemplary embodiment shown in FIG. 5, themarketing presentation is displayed after entry by the customer of theirPIN and before the financial transaction selection screen. Of course, inother embodiments, the messages may be displayed at other times in thetransaction sequence in accordance with the configuration of the agentand/or the local states and screens application.

FIG. 12 shows the software architecture associated with an exemplarymarket message server 170 which distributes marketing presentationmaterial 164 to the ATMs. As previously discussed, source files such asMPEG files, graphics, icons and other items are passed from source files166 into local data stores at selected ATMs such as ATM 158 where suchitems may reside. The distribution and configuration of such items isachieved by the operator of the system who determines on which ATMs suchitems are to be loaded. This is accomplished as later explained bydelivering such items to particular ATMs or groups of ATMs as classifiedby the system.

A system user also develops campaigns which include marketingpresentations to be made at the various ATMs. Such campaigns may includerelated types of visual or audio presentations, the dispensing ofcoupons or other promotions to be made at particular ATMs. The campaignsgenerally include activation logic for the presentation of a number ofdifferent items of presentation material. The setup of the system mayalso include the selective loading of states and screens into terminalsto accommodate the presentation of the marketing content. The ESD agentmay also provide for accumulation and reporting of data on marketingpresentations. Such data may include responses received to marketingcampaigns such as the number and types of coupons which users select tohave printed. Data accumulated by the ESD agent may also include thenumber of times particular presentations were made.

The ESD agent information may be returned to the market message server.Such data messages may be converted by MGR 168 or other messageconverters, and processed by one or more MPPs such as MPP 200 which isconfigured for processing and analyzing such data. It should also beunderstood that the system of the exemplary embodiment may include atimer program 202. The timer program may be operative in the manner ofthe incorporated disclosure to assure that messages transferred betweenMPPs or between MPPs and external devices are received in a timelyfashion. The timer may further operate to cause the distribution ofpresentation materials and campaigns at selected times as well as toretrieve data from the ESD agent at selected times or intervals.

It should further be understood that as represented in FIG. 12 each ofthe components of the system are connected to the TCP/IP network 172through associated listener and sender components. This facilitatesoperation of the components in a generally asynchronous manner as wellas enables distribution of system components on one or more connectedservers. As also represented in FIG. 12, the ESD agent component maycommunicate directly with the TCP/IP network or alternatively may beconnected through an intermediate network. The EDS agent communicatesthrough a driver 204 or other suitable communications device. It shouldalso be understood that exemplary embodiments may include thecapabilities for distributing presentation materials and campaigns toATMs, and for receiving data from the ATMs, by dial-up connections suchas through wired or wireless modems or other intermittent connections.This may be particularly appropriate where campaigns are run on the ATMthat are not targeted to a particular user of the ATM.

FIG. 4 shows schematically components of the exemplary ESD agent 152.The ESD agent 152 includes a data transfer client component 206. Thedata transfer client component is used for transferring data between thecommunications subsystem 136 and the ESD agent. Data transmitted throughthe data transfer client includes the distribution of presentationmaterials and/or states and screen logic appropriate for thepresentation of campaigns which are to be stored on the ATM in memory.The data transfer client is also operative to sense the inputs which areoperative to cause it to execute its instructions included in the ESDagent state logic 208. As previously discussed, the occurrence ofvarious activities or inputs at the ATM are operative to cause themarketing presentations to be output. The state logic 208 receives theinformation through the data transfer client which causes the executionof these instructions. In addition, the data transfer client isoperative to return accumulated report information concerning use of thesystem to the market message server.

An “in box” component 210 is operative to hold presentation materialsand/or campaign logic. The in box 210 is operative to hold these itemsuntil the designated time for making the particular presentationmaterials available on the ATM. Likewise, the activation logicassociated with presenting the campaigns is also held in the in boxuntil an appropriate time for execution by the state logic. As will beappreciated, the state logic includes appropriate timing functionsschematically indicated 212 which cause the actions to be carried out inaccordance with the programmed instructions delivered to the ESD agentby the market message server.

As shown in FIG. 13, the operation of the market message server 170 inconnection with the 1:1 agent 150 is operative to cause a specificmessage targeted to the particular user to be presented at the ATM, andin appropriate circumstances to return information to the server. Inthis example the 1:1 agent senses the user's PAN data through thecommunication subsystem 136 and operates in accordance with its stateflow logic to deliver a marketing request message including datarepresentative of the PAN which identifies the user, to the TCP/IPnetwork 172. The MGR 168 or other suitable MGRs operate to convert themessage format to one that can be handled internally by the system androutes the converted message based on its message type to theappropriate message processing program, which in this case is MPP 176.The MPP 176 or other connected MPPs are operative to determineresponsive to the customer's PAN data the next presentation to bepresented to the customer at the ATM and the particular relationship orlogic script between the data which comprises the presentation.

A marketing response message including data representative of thepresentation to be made at the ATM and which include logic whichconnects the components of the message, are downloaded as a message orscript to the agent in the appropriate message format as determined bythe MGR 168. The agent 150 executes the state logic included in themessages to cause the presentation to be made to the user. The statelogic included in the agent 150 also selectively executes the deliveryof the components of the presentation based on inputs from the user andcaptures the user's responses. Alternatively, if the user does notrespond, the state logic in the agent 150 provides a time-out whichreturns the ATM to its usual financial transaction flow.

The state logic of the agent 150 is operative to further output amessage responsive to inputs from the user which were requested by thelogic script delivered to the agent for the customer. This informationis included in an acknowledgment message that is returned by the agentthrough the MGR to an appropriate MPP, for example, MPP 214. MPP 214 mayprocess this information and utilize it in accordance with itsconfiguration. If, for example, a customer has indicated that they wishto accept a particular offer such as, for example, to open a newchecking account, the MPP 214 or other connected MPP may be operative toexport data responsive of this information to another system. This mayinclude delivering the data to an appropriate workstation from which aservice provider may process the customer's order or contact thecustomer. Alternatively information provided by the customer may bedelivered to a data warehouse or other system where it is used to updateinformation about the user as well as to conduct other analyses. Theresponsive inputs provided by the customer are also used to updateinformation stored relative to the user in the data store associatedwith the marketing server. Such information may include for example thenext presentation to be made to the customer in the campaign. It mayalso include for example the responses that the user has given inresponse to questions that have been presented to them. Such informationmay be used for example to discontinue the current campaign to thecustomer, to start another campaign or to select campaigns to bepresented to the customer in the future.

In the exemplary embodiment, the marketing request message from the ATMto the marketing server, the marketing response message from themarketing server to the ATM and the marketing acknowledgment messagefrom the ATM to the marketing server are each in the ISO 8583 messageformat. The request message and the response message are each a 300 typemessage. The acknowledgment message is a type 310 message. Of coursethese messages are exemplary and in other embodiments other messageformats may be used.

In an exemplary embodiment the marketing request message includes datarepresentative of the message length, the message type and the customeridentifying data which in this case is data included in the customer'sPAN from the card presented by the customer. This data allows the logiccarried out by the marketing server to determine if the customer is onefor whom information is stored in the data store. If the customer is notone for whom the system is capable of providing targeted marketingspecifically to the individual, the marketing server may identify adefault presentation to be made to the user. The default presentationmay be common to all users for whom no data is stored in the database.Alternatively the default presentation may be determined based oncharacteristics associated with the user or the transaction such as theinstitution with which the user's card is associated. Alternatively thepresentation may be based on the location of the ATM being operated bythe customer, the time of year, the day of the week or the time of daythat the user is operating the ATM.

In exemplary embodiments the data store associated with the marketingmessage server also has stored in connection therewith datarepresentative of attributes of the ATMs. These attributes may includefor example information about the type and location of the ATM. Suchinformation may also include for example data representative ofpresentation materials that have been stored in the data storeassociated with the computer operating in the ATM. This informationenables the system to determine the capabilities of the particular ATMincluding its capability to output presentations. It also enables thesystem to determine the types of messages to present so that they can bedisplayed to the customer and/or whether the customer can provide aresponsive input to the messages presented based on the input and outputdevices in the ATM.

In the exemplary system the marketing message server is operative insituations where the user is one for whom data is available in the datastore, to determine the presentation to be presented to the user. Thismay be done in the exemplary embodiment by reviewing the customer'smarket segment, determining the appropriate campaign and thendetermining the particular presentation in the campaign that should bemade. Alternatively rather than resolving this information at the timethe marketing request message is received, exemplary systems may havepreviously determined the presentation that the customer is to receivethe next time appear at an ATM. The computer may operate to store datarepresentative of the presentation in connection with datarepresentative of the customer. This avoids any delay associated withresolving this information while a transaction is ongoing.

The marketing message server is operative to configure a marketingresponse message to the ATM which includes data representative of thepresentation to be made to the user. In an exemplary embodiment themarketing response message includes the message length and a messagetype indicator which indicates the type of message being sent. Themarketing response message also includes data representative of thecustomer name and other information. This information may be insertedinto screens presented to the customer in response to the instructionsincluded in the marketing response message.

In the exemplary embodiment the marketing response message also includesparticular instructions and data which cause outputs to be presented tothe customer. The 1:1 agent operating on a machine executes theseinstructions and causes the corresponding outputs to be made to the userthrough one or more output devices such as the display on the ATM. Inthe exemplary embodiment the presentation includes script dataassociated with display steps, question steps and prompt steps. Ofcourse these steps are exemplary and in other embodiments other ordifferent steps may be used. It should be understood that presentationswhich correspond to the presentation data in a marketing responsemessage may include one or several of the display, question and prompttype steps.

An exemplary display type step instruction operates to cause the agentto provide a display or enable printing of a coupon for the customer.The display type step includes data corresponding to a screen number forwhich corresponding data is stored in the local data store at the ATM.This screen number can be used by the computer operating in the ATM toproduce a graphical output on the display. This graphical output mayinclude an advertisement or other promotional message. The exemplarydisplay step instructions also include data representative of a couponnumber which may be printed for the customer in response to execution ofthe display step. In the exemplary embodiment when no coupon is to bepresented a null value “00” is included so as to avoid the printing ofany coupons. The display step instructions also include a time-out valuewhich is used by the agent to determine how long to display the screenidentified indicated in the display step.

The question step of the exemplary embodiment includes instructionswhich cause the presentation of outputs which include questions to auser. The question step may also include instructions to activatecertain keys through which a user may provide responsive inputs. Aquestion step may also include follow-on instructions which aredependent on the responsive inputs provided by the user. In theexemplary system the question step includes a first screen number and afirst coupon number similar to those described in connection with adisplay step. However, in the question step the screen number willgenerally present a question requiring a response from the user. Thesequestions may include a yes/no query or other query type. The questionstep also includes a time-out value associated with the first screenwhich causes the logic flow to move on if the customer does not respond.The question step further includes a key activation listing. Thiscorresponds to function keys or other keys or input devices on the ATMthat are rendered operative in response to receipt of the instructions.Rendering these keys operative enables the agent to receive theresponses input by the customer. The key activation listing may alsoinclude keys that allow the user to input a cancel input as well asinstructions to provide a time-out after which the designated keys areno longer enabled.

The exemplary question step also includes in the presentation data, datarepresentative of screens to be presented depending on the type ofresponsive input provided by the customer to an output screen. Inaddition the question steps may provide for alternative coupons to beprovided depending on responsive inputs provided by the user.

The third type of step included in presentation data of the exemplaryembodiment is a prompt step. The prompt step is similar to a questionstep except that the user is requested to input data which may be morecomplex than responding to a yes/no query. For example a prompt step maycause output of a screen to ask a customer to input a numerical value.The numerical value may be an amount of a loan that they might beinterested in or a phone number where they can be reached by a serviceprovider to receive further information about an offer. The prompt stepin the exemplary embodiment includes instructions such as datarepresentative of a screen number and a coupon number similar to thedisplay step. The time-out value is also provided as well as a keyactivation list to allow a customer to input data through selected keys.A cancel key is also enabled and a time-out instruction is includedwhich operates to terminate the input capability if the customer doesnot respond quickly enough. The prompt step may also include datarepresentative of one or more screens to display in response to inputsor selections made. In addition the prompt step may also includealternative coupon selection values to be provided to a user.

It should be understood that the exemplary step types described provideinstructions to be used by the agent in operating the input and outputdevices of the ATM during a marketing session. The instructions includedin the presentation data of the marketing response message enable themarketing session to be carried out concurrently and within thefinancial transaction the customer is carrying out at the ATM. Multipleinstruction steps may be included in a presentation depending on thetype of messages to be presented and the needs of the system operator.Generally the presentations made are of a relatively short duration tomaintain rapid transaction speeds at the ATM. It should be understoodthat the display, question, and prompt steps described are exemplary andother embodiments may include different types of steps, instructions ordata.

After the presentation is made to the customer at the ATM the 1:1 agentoperates to cause the marketing acknowledgment message to be sent fromthe ATM to the marketing server. In the exemplary embodiment themarketing acknowledgment method includes data representative of themessage length and the message type. The marketing acknowledgmentmessage also includes customer identifying data such as the customer PANor other data which is usable within the system to identify theparticular user. If the customer has been presented with a question orprompt step the marketing acknowledgment message may also include theresponsive data input by the customer. This includes for example the keyselections made by the customer in response to a question or datarepresentative that the customer allowed the presentation to time-out.The responsive data may also include data representative of informationthat was entered by the customer. This may include for example theamount or phone number data which can be used in delivering furthermarketing or products to the customer.

In the exemplary embodiment the marketing server operates in response toreceipt of the marketing acknowledgment message to update theinformation stored in its associated data store. This may include forexample updating the information associated with the user to indicatethe next presentation to be made to the user. Alternatively themarketing server may analyze the customer's responses and determinethrough comparison to programmed parameters that the current campaignbeing displayed to the customer should be discontinued and that adifferent campaign or no campaign at all should be presented. Inaddition the marketing server may also operate to forward dataconcerning the customer's responses to an appropriate work station orother system which may use the information that the customer has inputfor purposes of delivering products or marketing to the customer.

A useful aspect of the exemplary system described is that it has thecapability of translating messages between a wide variety of messageformats in accordance with configuration data stored in its associateddatabase. As a result the system may generate a message to a terminal216 which can take the necessary steps to have the user's checkingaccount opened for example. Terminal 216 may be connected throughanother external network 218 or through a dial-up or other connection.Messages suitable for communicating with the terminal 216 may beproduced by transforming internal messages to a suitable format forterminal 216 through an MGR 220, which delivers the messages through asuitable driver 222.

One or more timing components 224 may be operative in the network toassure the delivery and receipt of appropriate responses to messagesoutput by the system. This may include, for example, responses todownloaded presentation data which include logic script for a particularuser at a terminal to which responsive data is expected. The timingcomponents may be used to assure the effective communication of messagesbetween the market message server 170 and other connected data warehouseand data management systems or other system components.

As will be appreciated, the ability of the exemplary system todistribute presentation materials in numerous formats to transactionterminals which may be of different types is useful in enablingoperation of the marketing system across an installed base of differentterminal types. In addition, the ability of the exemplary embodiment toactivate market presentations in terminals that communicate throughdifferent formats as well as to export and import data from otherconnected systems which may utilize different formats and message types,presents opportunities for developing and presenting numerous varietiesof marketing presentations.

FIGS. 14 through 31 show an exemplary transaction conducted at an ATMand the logic flow associated therewith. In this exemplary transaction,both the 1:1 agent and the ESD agent are operative to cause marketingpresentations to be made. It should be understood that in exemplaryembodiments the functions carried out by either agent may be affectedabsent the activities of the other. Variations of the features andfunctions described herein may be utilized in numerous types of systemswhich include transaction terminals by employing the principles of theexemplary embodiments.

As shown in FIG. 14, a screen 226 is output by the terminal. Screen 226is in the nature of an idle screen which is presented by the ATM when itis waiting to begin a transaction. Of course, machines may also operatein an idle condition to output presentations based on the availablepresentation materials in an attract mode. This may include, forexample, periodically displaying a screen indicating to the customer howto begin a transaction while playing an MPEG file or displaying screensor providing other outputs that will tend to draw a user's attention tothe ATM screen.

In response to the screen 226 a user inserts their card, and the cardreader in the ATM reads the user's PAN from the magnetic stripe or otherindicia on the card. In response to sensing the PAN input on thecommunication subsystem 136, the 1:1 agent is operative in accordancewith its state logic to send a marketing request message including thedata corresponding to PAN to the market message server 170.

As indicated by the logic steps shown adjacent to screen 226, the ESDagent may also be operative in response to the input of the card. Forexample, the ESD agent may be configured in its state logic to look forcustomers of banks other than the bank owning the ATM, and to providespecial messages to them in order to encourage them to switch theirbusiness to the bank operating the ATM. Of course, this logic in the ESDagent is exemplary of how the ESD agent may operate to do targetedmarketing to users of the ATM.

The ATM terminal configuration in its normal operation responds to acard read event by presenting a subsequent screen. In this exemplaryembodiment the next screen is a screen 228 shown in FIG. 15 whichprompts a user to input their PIN number and to press a particularfunction key when done. As indicated by the logic steps next to screen228, during this time the 1:1 agent will generally have received amarketing response message from the market message server includinglogic script which indicates which screen presentation(s) is(are) to bemade and connective logic is to be employed. In this exemplaryembodiment the 1:1 agent is configured to make these presentations uponthe completion of the PIN input operation. As a result, the customer'stouching of the key indicating completion of the PIN entry event issensed by the agent.

The next screen that is normally seen in the course of the ATMtransaction is indicated 230 and shown in FIG. 16. However, in thisexemplary embodiment the 1:1 agent has operated in accordance with itsstate logic to begin controlling operation of the machine in response tothe PIN input. As a result the user is not presented with screen 230 atthis time but instead is presented with a different screen such asscreen 232 shown in FIG. 17.

Achieving the modification of the screen flows normally carried out bythe ATM without significant modification of the financial transactionlogic may be accomplished in various ways. For example, the 1:1 agentmay be operative to open a window overlying transaction screen 230 whichcauses the screen that the agent is causing to present to cover thetransaction selection screen 230. The transaction selection screen maycontinue to run in the background. Alternatively, a modified state andscreen flow may be included in the state/screen application 148. Thismodified state and screen logic flow may provide for the execution ofsteps designated by the 1:1 agent before presentation of the transactionselection screen 230. Alternatively, other approaches may be used fordelaying or deferring the presentation of a next ATM transaction screento the user to enable the agent to execute in accordance with its statelogic.

It should be understood that the 1:1 agent is configured such that if nomessage has been received from the market message server indicating amarketing message to present to the customer, the ATM will be allowed toproceed to the transaction selection screen 230. The state flow logicoperating in the agent 150 may cause the operation of the machine todefault to its standard logic flow if the agent has nothing to present.Alternatively the 1:1 agent may be configured to output a defaultmarketing screen or presentation if a marketing response message is notreceived timely.

In the exemplary transaction the 1:1 agent 150 has received a marketingresponse message from the market message server which causes screen 232to be displayed. The agent 150 operates responsive to the presentationdata in the message to cause the computer in the ATM to retrieve thedata from memory to present this screen. The screen as stored in memoryincludes a space for the customer's name that corresponds to the dataincluded in the marketing response message. Alternatively the agent maybe operative to fill the space in the screen with the customer's name asread from the card. Screen 232 includes a message which asks thecustomer if they're interested in a credit card. It includes a questionrequesting that the customer make a decision. The 1:1 agent operates tocause the message 232 to be displayed until the customer responds bytouching a “yes” or “no” function key or until the agent times outwithout the customer responding. In the case of a time out the agentwill cause the next screen as dictated by the presentation data, or ifno further screen data is included, screen 230 will be displayed.

In situations where the agent 150 is operative to overlie the normaltransaction screen, the ATM programming continues to run in thebackground. Generally if a customer does not provide a response within agiven time, the ATM is configured to present a screen asking thecustomer if they need more time. Such a screen is indicated 234 in FIG.18. In embodiments in which the 1:1 agent is operating to overlie theusual transaction screens rather than operating in accordance with localstates and screens to present the marketing messages, the 1:1 agentoperates to prevent a machine time-out. This is accomplished by the 1:1agent sensing the presentation of the time-out screen through thecommunications subsystem 136. The 1:1 agent then responds by providingan input which simulates the user providing an input that they need moretime. In this way the financial transaction will not be stopped by thepresentation of the marketing information.

If in response to screen 232 the customer indicates that they areinterested in the credit card offer, the 1:1 agent operates responsiveto the presentation data and causes a screen 236 shown in FIG. 19 to bedisplayed. The agent also makes note of the customer's response forpurposes of formulating the acknowledgment message that it willeventually send to the market message server. Screen 236 is producedresponsive to a prompt step and prompts the user to input their daytimephone number and to press a particular function key to confirm thenumber or to press another key to start over. The agent enables theappropriate keys in response to the presentation data. The agent sensesthe inputs to the keypad and the function keys through the communicationsubsystem 136 and captures the data. The configuration of the 1:1 agentis further operative to time-out and return to the normal transactionscreen if the input is not completed within the time indicated in thepresentation data. Of course, if a customer declines the offer in screen232, the agent may be operative to then present the normal ATMtransaction screen 230, or alternatively may be operative to presentadditional screens, print coupons or the like. For example, even if theuser declines the offer of the credit card, the machine operator maywish to provide a promotional message to instill good feelings about theinstitution. This may be done, for example, by the presentation offurther promotional messages such as screen 238 shown in FIG. 20. Screen238 tells the customer that they have been entered in a sweepstakes.Screen 238 may also be presented after screen 236, after the customerhas input the appropriate response. The presentations output depend onthe steps and logic script included in the presentation data in theresponse message sent by the market message server to the 1:1 agent.Alternatively in other embodiments the logic scripts may be stored inmemory at the ATM and activated selectively in response to presentationdata in the messages received and/or logic programmed in connection withthe agent.

After the completion of the marketing session by the 1:1 agent, screen240 shown in FIG. 21 is displayed. This is the next normal ATM screenand corresponds to transaction selection screen 230. Screen 240 isproduced either by the 1:1 agent closing the window overlying the normalscreen or by following the local states and screens logic in whichscreen 240 is the next screen produced as the logic flow moves to thenext state. In response to screen 240 the customer inputs theirtransaction selection, which in this exemplary transaction is to receivemoney. The 1:1 agent also generally operates at a time during theremainder of the financial transaction or thereafter to send anacknowledgment message indicative of the results of any decision orprompt messages back to the market message server. The generation of amessage to the market message server is caused in an exemplaryembodiment by the logic associated with the 1:1 agent which results inan acknowledgment being sent to all response messages. This can be usedto confirm the presentation was made. Alternatively the agent may onlysend an acknowledgment when it has received a message from the serverwhich includes an indication that it expects a customer response.Alternatively, the 1:1 agent may be configured to send an acknowledgmentmessage in response to each message it receives which includes aninstruction to present a question or prompt, which message provides theresponsive inputs (if any) from the user. Additionally, or in thealternative, the 1:1 agent may send its acknowledgment messages back tothe market message server at a later time, either individually or aspart of a batch. The particular approach used will depend on the needsof the operator of the particular system and the configuration of the1:1 agent.

In response to the user's selection of a dispense transaction in screen240, an account selection screen indicated 242 in FIG. 22 is presented.In this example the customer chooses to withdraw money from theirchecking account. The next screen presented is screen 244 which is shownin FIG. 23. In this screen a customer is requested to input an amountand to confirm the amount they wish to receive. As indicated in thisexemplary transaction, the customer requests a $100 withdrawal fromchecking and confirms the request by touching a function key.

As previously discussed in connection with FIG. 1, in the usual ATMtransaction processing, the ATM is operative at this point to generate arequest message and to forward the message to the financial transactionhost. The host now determines if the transaction may be authorized andto provide a response. In this case the ATM would normally present the“please wait” screen 246 shown in FIG. 24. However, in this exemplaryembodiment the ESD agent 152 is configured to cause the ATM to presentpromotional messages at this point in the transaction where time isavailable and the user is waiting for their money. In this exemplarytransaction, the ESD agent is configured to sense the confirming inputby the customer on the communication subsystem 136 and to begin theexecution of its state logic in response thereto. It should also beunderstood that the 1:1 agent 150 may alternatively be operative in thislull time period to present marketing presentations in the mannerpreviously described.

In this exemplary embodiment the ESD agent operates in accordance withits configuration to present a screen 248 shown in FIG. 25. Screen 248may be a static display screen or alternatively may include movingportions which may be achieved by executing MPEG files or otherpresentations which get the customer's attention. In addition, theparticular presentation made may depend on the time of year, day of theweek, the time of day, the customer's account number or other parametersas defined by the ESD agent state logic.

Screen 248 prompts the user to select whether they would like to have acoupon printed for a discount on the purchase of a beverage. Forpurposes of this exemplary transaction, it is presumed that the userselects to have the coupon printed by providing the corresponding input.The ESD agent then is operative to control transaction function devicessuch as a printer in the ATM to print the coupon. The appearance of thecoupon is based on the coupon layout data stored in the data storeassociated with the computer in the ATM. In addition, the ESD agentpresents a further screen 250 shown in FIG. 26 prompting the user totake their coupon and re-emphasizing the promotional message. The ESDagent is also operative to capture information about the coupondispensing event for later reporting to the market message server. Ofcourse, if the customer declined the coupon, the fact of this event isalso recorded, but the coupon is not printed.

If for some reason the ESD agent does not include state logic to carryout these steps responsive to the transaction inputs, or is deliberatelymade inoperative to carry out this marketing presentation transactionresponsive to stored parameters, the ESD agent is operative to cause thenormal “please wait” screen 246 to be displayed until the next screen isdisplayed in the ATM transaction logic flow. In addition, the exemplaryform of the system provides for locking in the ESD agent executionscript during each ATM transaction. This prevents the promotionalmessage from being changed to a different campaign presentation whilethe customer is in the midst of operating the machine. This mightotherwise occur due to time dependent routing and/or release ofmarketing campaigns which are held in the in box of the ESD agent.

In this exemplary transaction during the output of screen 250 shown inFIG. 26, the coupon application 154 causes the coupon to be printed andpresented by the ATM. After the coupon is presented the ESD agent causesthe next transaction screen that would occur in the conventionaloperation of the ATM to be displayed. As by this point the ATM hasreceived a response message from the host, the ATM configuration isready to operate in response to the state information in the responsemessage to present the next transaction screen. Assuming the transactionis authorized, the ATM operates to dispense the cash. Screen 252 shownin FIG. 27 is then displayed. Screen 252 prompts the customer to takethe cash which has been dispensed. The state flow logic configuration ofthe ATM further causes the receipt printer to print a receipt for thecustomer. It should be understood that in some embodiments this mayinvolve an additional screen presentation which asks the customerwhether they would like to have a receipt and only prints the receipt inresponse to an affirmative customer request.

Assuming that the receipt is printed, the configuration then causes ascreen 254 shown in FIG. 28 to be displayed. This screen prompts thecustomer to take their receipt. The next transaction screen indicated256 in FIG. 29 prompts the user concerning whether they wish to conductanother transaction. If the customer inputs an affirmative responseduring the display of screen 256, the ATM is configured to return to thepoint in its logic sequence where the transaction selection screen isdisplayed. In this exemplary embodiment the 1:1 agent and the ESD agentare configured through their state logic to present only one promotionper customer visit. As a result, the standard transaction logic flowwill run without the promotional presentations previously described.However, in alternative embodiments different or additional promotionalpresentations might be presented to the customer during subsequenttransactions during the same visit. It should also be understood that insome embodiments the agents may carry out multiple sessions during asingle transaction. This might be done in situations where a customerhas provided an input expressing interest in an offer and the marketingserver delivers a follow up presentation to the 1:1 agent while thecustomer is still at the machine.

In this exemplary transaction the customer declines additionaltransactions when screen 256 is presented. The ESD agent is operative tosense the negative input through the communication subsystem 136. Inthis exemplary embodiment this causes the ESD agent to present a furtherpromotional screen indicated 258 in FIG. 30. In this example, screen 258is a promotional screen which reinforces the promotion presented to thecustomer. It should also be understood that while this screen isdescribed as being generated by the ESD agent, in other embodiments the1:1 agent could also produce the output of a similar screen.

The transaction is completed with the return of the customer's card tothe customer. Normally this is accomplished with a screen indicated 260in FIG. 31. However, the ESD agent may be operative in accordance withits state logic to open a promotional window 262 in the backgroundbehind window 260. This enables presentations of promotional messages orother messages to the customer. In addition, the ESD agent may continueto run various graphics in the background as the ATM logic returns thescreen flow to the original screen 226. Screen 226 like screen 260 maybe displayed in a window either in the foreground or background by theESD agent so as to enable promotional and/or attract messages to bedisplayed while the machine is waiting for the arrival of the nextcustomer.

It should be understood that the foregoing transaction is exemplary ofthe capabilities of systems of the exemplary embodiments. Manyalternatives for presenting marketing messages and receiving customerresponses to marketing presentations are encompassed by the principlesof the exemplary embodiments. As will be appreciated, a useful aspect ofthe exemplary system is the ability to handle marketing messages andresponses independently of the financial authorization messages. In someembodiments, the use of separate communications for such messagesfacilitates presenting marketing materials without disruption in thetransaction processing capabilities of the ATM. Further, the describedembodiment enables the provision of marketing capability at the ATMmodification of the underlying programming of the financialauthorization system.

It should further be understood that while an exemplary embodiment isdescribed in connection with marketing type messages, another exemplaryembodiment is applicable to the communication of other types of messagesand information. For example, instead of marketing type messages,security related messages can be used. Instead of an ATM independentlycommunicating with both a transaction host and a marketing server, theATM could independently communicate with both the transaction host and acard validation server. Alternatively, an ATM could independentlycommunicate with each of a transaction host, a marketing server, a cardvalidation server, and some other types of servers. Each communicationcould be separate yet concurrent. As a result, the ATM can achievemulti-level parallel communication processing.

FIG. 90 is a schematic view of an alternative system indicated 420 inwhich marketing presentations are presented to users at an ATM. Insystem 420 marketing messages are directed to a user on a targetedbasis. The presentations are targeted to the user based on informationconcerning the user stored in the data store associated with themarketing server schematically indicated 422. In the exemplary system420 customers for which data is not stored in connection with themarketing server receive a general presentation suitable for users ofthe machine.

In system 420 the logic flow associated with the ATM is represented bypoints along a line 424. The points along the line represent states orother logic steps executed by the ATM in carrying out a transaction. TheATM 426 (see FIGS. 91-96) has a software agent 428 installed in thecomputer operating therein. Agent 428 is similar to the 1:1 agent andother agents previously described. In this exemplary embodiment theagent is connected to the ATM logic flow to present marketingpresentations to users on a targeted basis.

When a user begins to conduct a transaction at the ATM 426 thetransaction may begin with the user inserting their card into the cardreader of the ATM. This is represented by FIG. 91. In the logic flow ofthe ATM represented in FIG. 90, the activities associated with readingthe card are represented by a card read step or state 430. In responseto this activity the PAN is read from the customer's card. The ATM 426includes a state 432 in which the agent 428 is activated. The agentoperates to send data corresponding to the PAN in a marketing requestmessage 434 to the marketing server 422. It should be understood thatwhile a user's PAN is used as the identifying information for the userin this exemplary embodiment, in other embodiments other data whichuniquely identifies the user may be used.

In response to receipt of the marketing request message the marketingserver resolves the presentation to be displayed to the particular userbased on data related to the user stored in the data store. In theexemplary embodiment if information concerning the user is not stored inthe data store, or if the user has data associated therewith whichindicates that the user declines the presentation of marketing messages,a general presentation suitable for users of all types may be resolved.Once the marketing server has resolved a presentation for the customer,the marketing server sends a marketing response message 436 includingdata representative of the presentation to the ATM. In the exemplaryembodiment the marketing response message corresponds to a presentationwhich includes instructions which cause the ATM to present a questionscreen to which a customer may respond with a yes/no answer, as well asresponse screens to be presented responsive to the nature of the user'sinput.

While the marketing server 422 is resolving the presentation data forthe user and configuring the marketing response message, the logic flowassociated with the ATM moves to a PIN entry state 438 in which the useris prompted to enter their personal identification number (PIN). Theuser is then prompted to select a transaction function at a selectfunction state 440. It will be presumed for purposes of this examplethat the customer selects a withdrawal transaction.

The logic flow of the ATM next moves to a state in which the customer isprompted to select the particular account upon which the transactionwill be conducted. A single account number may be correlated withseveral accounts including checking, savings, credit card or other typesof accounts. The ATM prompts the user to select the account type in astate 442. Thereafter the machine moves in its logic flow to a state444. In state 444 the user is prompted to input the dollar amount of thetransaction that they wish to conduct. As the user has provided all theinformation necessary to present a request to conduct a financialtransaction, the exemplary ATM then moves to a state 446 in its logicflow. In state 446 the ATM operates to send the transaction requestmessage schematically indicated 448, to a financial host computer 450.The steps associated with sending the transaction request message to thefinancial host computer is also represented in FIG. 92.

After executing the steps associated with the transaction requestsending state 446 the transaction flow of the ATM moves to a read state452. In read state 452 the agent 428 operates to cause the output of thepresentation corresponding to the presentation data in the marketingresponse message through one or more output devices on an ATM. In thisexemplary embodiment the ATM agent operates responsive to thepresentation data in the message to recall from the data storeassociated with the computer in the ATM, screen data. This screen dataincludes a question that the customer may respond to with a yes or noanswer. In addition the agent operates to enable the keys through whichthe customer may input appropriate responsive inputs. The agent operatesto sense a customer input, and then operates to cause the computer tooutput another screen responsive to the script logic in the presentationdata. This further screen may be tailored to the responsive input fromthe user. Alternatively if the customer does not provide the requestedinput, the agent operates in accordance with the time-out instructionsincluded in the presentation data to discontinue the marketing sessionwith the user. In addition the agent 428 may also operate to causecoupons to be output or additional presentations to be made in themanner previously discussed. For purposes of this transaction it will bepresumed that the user provides a responsive input to the screen outputas represented in FIG. 93.

While the customer is presented with the marketing information thefinancial transaction host 450 generates a transaction response 454 tothe transaction request message. The transaction response generallyindicates that the transaction may proceed or is to be denied. After themarketing session the agent 428 enables the logic flow within the ATM tomove to a next state 456 in which the ATM receives the transactionresponse data from the host. In response to receiving the transactionresponse, the logic flow moves to a state 458 in which the transactionis carried out through operation of the transaction function devices inthe ATM. In this exemplary transaction the functions include thedispense of cash to the user. This is represented in FIG. 95. Of courseif the transaction response message 454 indicates that the transactioncannot be carried out, the function state 458 causes the computer tooperate so that the ATM presents to the user an indication that thetransaction cannot be completed or other appropriate information.

In the exemplary transaction, after completing the cash dispensingfunction the ATM then moves to close the transaction. This may includefor example executing steps in states associated with returning the cardto the user or prompting the user to indicate through an input whetherthey wish to conduct another transaction. The ATM will also executesteps in states that provide the user with a receipt for thetransactions conducted. The ATM computer also takes steps to make arecord of the transaction that has been performed. To confirm to thefinancial host 450 that the transaction requested was completed, thecomputer operates in a state 460 to send transaction completion message462 to the financial host. This advises the host computer that thetransaction was completed and that the customer's account should becharged for the funds dispensed. This step is schematically alsoindicted in FIG. 96.

Either during the course of the financial transaction or thereafter, theATM agent 428 operates to forward a marketing acknowledgment message 464to the marketing server. The marketing acknowledgment message preferablyincludes identifying data concerning the customer as well as dataindicative of the responsive inputs that they have provided to thepresentations. This data is processed by the marketing server asrequired to determine the presentation that will be provided to the useron subsequent occasions, or to satisfy the request that the user hasinput. The sending of the marketing acknowledgment message 464 isschematically represented in FIG. 94.

In the exemplary embodiment of the system 420 shown in FIG. 90, theprocessing of the financial request message to determine whether thetransaction is authorized is conducted during the same time period thatthe marketing presentations are being made to the user. This may reducethe time that the transaction may be prolonged due to marketingpresentations. In addition the use of the agent to acquire thepresentation data during the time that the customer is inputting datanecessary to carry out the financial transaction reduces transactiontime. The delivery of the acknowledgment message to a computer otherthan the computer which handles financial transactions avoids the needfor additional processing within the financial transaction host. Thisavoids the need to modify the standardized operation of the financialhost. The system also enables the customer input data to be deliveredeither during or after the financial transaction which also potentiallyreduces the time required to carry out the transaction. The exemplarysystem also enables the marketing presentation to be determinedindependent of the entity authorizing the financial transaction.

FIG. 97 shows yet a further alternative embodiment of a system 466 of anexemplary embodiment. System 466 is similar to system 420 except asotherwise indicated. System 466 enables the delivery of markingpresentations at an ATM that is configured so that a single state isresponsible for both sending the transaction request message to thefinancial transaction host and receiving the transaction response whichdictates the next function to carry out. Many existing ATMs areprogrammed in this manner and the system shown in FIG. 97 enables suchATMs to include the marketing capability previously described withoutmodifying this underlying programming of the state responsible forsending and receiving the financial messages.

As in the previously discussed embodiment the customer initiates atransaction by providing an identifying input such as the input of acard which includes a PAN. This is accomplished in a card read state468. The ATM next moves to a write state 470 in which the customeridentifying PAN data is caused by an agent 472 installed on the computerin the ATM to send a marketing request message. The marketing requestmessage 474 is sent to the marketing server 476. The marketing serveroperates to resolve the presentation to be made to the user and includesdata representative of the resolved presentation in a marketing responsemessage 478.

After the customer enters their card the ATM proceeds in its logic flowthrough a PIN entry state 480, a select function state 482 and a selectaccount state 44. For purposes of this exemplary transaction it willagain be assumed that the user is requesting a dispense of cash. Theuser inputs the dollar amount to be dispensed and the ATM executes thedollar entry state 486.

After the dollar entry state the logic flow moves to a read state 488.In the read state 488 the agent operates in the manner previouslydescribed to deliver the marketing presentation to the user. Afterdelivering the presentation the ATM agent also operates to cause the ATMto send an acknowledgment message 490 to the marketing server 476. Theacknowledgment message includes any responsive input data from thecustomer. As previously discussed this acknowledgment message may besent either while the financial transaction is ongoing or subsequent tothe completion thereof.

After the agent operates to provide the marketing presentation the logicflow of the ATM proceeds to a transaction state 492. In the transactionstate the ATM operates to send a transaction request 494 to thefinancial host 496. In the transaction state 492 the logic flow waitsfor a transaction response message 498 before moving to the next statein the logic flow. In this exemplary embodiment the user may bepresented with a “please wait” or other screen during this period. Ofcourse, as previously discussed, exemplary embodiments may also presentmarketing campaign messages during this time period.

In response to the transaction response message 498 the ATM operates toexecute the function in accordance with the response by executing stepsin a state 500. The ATM logic flow then moves to close the transactionin the manner previously discussed. This includes sending a transactioncompletion message 502 to the transaction host to confirm that thetransaction was carried out successfully. Of course the ATM logic flowalso goes through additional steps to close the transaction in a mannersimilar to that previously discussed.

It should be understood that while presentations have been discussed asbeing made during cash dispensing transactions, this is exemplary. Theexemplary embodiments may be used to provide for presentations to beoutput during many types of transactions which are conducted at an ATMor other transaction machine.

An advantage of the exemplary system shown in 466 shown in FIG. 97 isthat the functionality of providing targeted marketing messages to usersis achieved in existing ATM systems in which the activities associatedwith sending a transaction request and receiving a transaction responseare carried out within a single state within the ATM logic flow. Thisavoids the need to modify such ATMs other than by installing the ATMagent on the computer operating in the ATM, and adding the states whichoperate in connection with the ATM software agent. Such states may berelatively simple programs which can be included as part of the statelogic flow executed by the ATM. For example an exemplary write statesuch as state 470 may include the logic necessary to send the message tothe marketing server and the next state to move to in the logic flow.Alternative configurations of the write state may require that themarketing response message be received before moving on to the nextstate. In such cases the write state will preferably include a time-outperiod after which the logic flow moves on to the next ATM state if nomarketing request message has been received.

Similarly exemplary embodiments of the read state 488 in whichpresentations are delivered responsive to the operation of the ATM agentare also relatively simple to include in the logic flow of the machine.Such exemplary read states may include instructions on the next state inthe logic to proceed to after the presentation is made. Such states mayalso include time-out values so the logic flow may move forward in theevent that there is a problem with the presentation or the customerinput of a response. State 488 may also include instructions which causethe display of certain default screens or presentations in the eventthat a marketing response message has not been received.

As can be appreciated the inclusion of these additional states in theATM programming logic generally do not impact the performance ofactivities associated with other states. Such additional states may beinstalled on the ATM by being configured and downloaded into the memoryof the ATM terminal. Alternatively, the ATM may be programmed in variousways with the necessary logic flow and the software agent that enablescarrying out the marketing function. In addition marketing presentationmaterials may also be downloaded into the local data store associatedwith the ATM in the manner which will be hereinafter described.

In the exemplary embodiment, operators of the system are enabled toselectively distribute and display presentation materials at ATMs orother transaction terminals that are connected to the system. This isaccomplished in the exemplary embodiment by a data-driven system whichincludes a structured user interface to acquire the necessaryinformation about the ATMs connected to the system, the presentationmaterials and the promotional campaigns to be presented. The requireddata is then downloaded to the ATMs through the TCP/IP network and otherconnected networks. The message processing programs (MPPs) and themessage gateway routers (MGRs) do the necessary processing and messageconversions to load the presentation materials and activation script toeach respective ESD agent operating in an ATM. The system of theexemplary embodiment also receives the results of the campaigninformation and may selectively provide analysis thereof. In addition,the system is enabled to import data such as presentation materials fromand to export data and other information to other systems which operateusing different message types and formats.

In the exemplary embodiment the market message server is operative toprovide the messages and instructions to both the ESD agent and the 1:1agent. In this exemplary embodiment the market server is also operativeto distribute the presentation materials used by the 1:1 agent topresent targeted messages to customer. Messages from the 1:1 agentincluding the customer's PAN are routed through an MGR to one or moreMPPs. The MPP determines the response message and the included datarepresentative of the appropriate presentation which the 1:1 agent usesto provide outputs at the ATM. Similarly, the market message server inthe exemplary embodiment also receives and analyzes the acknowledgmentmessages from the 1:1 agent that include the results of its activitiesand responsive inputs from customers. It should be understood that inother embodiments the function for communicating with the 1:1 agent aswell as for loading presentation materials used by the 1:1 agent mayreside on a separate computer from the computer that communicates withthe ESD agent. Indeed, in other embodiments, the system whichcommunicates with the 1:1 agent may be a separate computer from the onewhich operates the ESD agent. Also, ATMs may include the 1:1 agent butnot the ESD agent and vice versa. The particular configuration willdepend on the desires of the operator of the ATMs. It should further beunderstood that the various arrangements of computers and data storesdiscussed herein are exemplary and systems with different arrangementsof computers and data stores, and which distribute functions in otherways, may be used in exemplary embodiments.

FIG. 88 shows schematically an exemplary configuration for componentswhich make up an exemplary system. In this exemplary embodiment all ofthe components are connected to a common network 504 such as a TCP/IPnetwork. Of course other network types may be used. The marketing dataused in the system may generally be imported from one or more computersschematically indicated 506 which serves as a data warehouse. Datawarehouse computers may include information on customers, marketsegments, campaign information or other customer presentationinformation. In the exemplary system the data from the data warehouse isput to work in the marketing server 508. The marketing server hasmachine data associated therewith such as features of automatedtransaction machines and the capabilities thereof. The marketing serveralso has available information about the distribution of presentationmaterials into the local memories at the ATMs. Customer identifying datasuch as customer PAN information and other information about customersis also stored in connection with the marketing server. The marketingserver also operates to determine presentations to be made to customersand to receive customer responses to those presentations, whichresponses may be used for selling and marketing products.

As represented in FIG. 89 the distribution of presentations to local ATMmemories as well as the development of marketing campaigns to users ingeneral or groups of users, may be configured from a separate computerschematically indicated 516. Computer 516 of the exemplary embodimentoperates software provided by the Assignee of the present inventionunder the trademark Iq® ESD. Of course it should be understood that themessage presentation software may also operated in the marketing server.As also represented in FIG. 89, workstations 512 are also connected inthe network. Workstations may be used for inputting data as well as forcontrolling the distribution of presentations and the development ofcampaigns. Workstations may also be used as output devices for obtainingreports and customer data. The customer data may also be used forcontacting users concerning products that they have expressed aninterest or for delivery of products that users have ordered throughoperation of the system.

As represented in FIGS. 88 and 89 presentation data 514 is stored in theexemplary embodiment in memory on the ATMs. One or more agents 516 areinstalled in the computer operating on the ATM and are operativeresponsive to their programming to output the presentations stored inmemory. In addition as represented in FIG. 88, a separate financial hostcomputer 518 is operative to carry out the financial transactionsrequested by users at the ATMs.

As previously discussed, exemplary embodiments enable various types ofselected marketing activities to users of automated transactionmachines. The marketing may be tailored to attributes of the particularuser as well as to the user's location or other circumstances. Themarketing activities may also be controlled by the owner of the machinerather than the entity which has the financial account relationship withthe customer. This may be particularly advantageous in circumstanceswhere the entity with which a user has an account relationship may haveno interest in marketing certain products that may be of interest to theuser. The capabilities of the exemplary embodiment to provide marketingcapabilities within the context of existing ATM transactionauthorization systems is also useful in enabling such capabilities onexisting ATM systems.

FIG. 32 schematically represents an exemplary organization of data whichis used in connection with a server that distributes presentations toATMs and which causes presentations to be presented responsive tooperation of the ESD agents. FIG. 32 is representative of screens whichare output through a graphical user interface of the system. The boxesare representative of screens produced responsive to operator inputs tothe system. The arrows are representative of the logic flow which thesystem employs to obtain the input of data and instructions to thesystem. This input data is then stored in connection with theappropriate records so that it can be utilized by the MPPs and MGRs ofthe system for distribution, presentation and analysis of marketingmaterial.

In the operation of the system, an operator wishing to access thefeatures provided by the market message server is first required toinput a recognized password. This is generally done through aworkstation that is connected in a network with the server. Theworkstation includes the input and output devices used by the operator.The input of a password is indicated by screen 264 in FIG. 32. Uponentry of a recognized password the software causes the market messageserver to present the user with a main screen indicated 266 and shown ingreater detail in FIG. 33. Screen 266 is the primary screen foraccessing the data and instructions underlying operation of the system.It includes a listing of the marketing campaigns 268 which are currentlyactive. An icon 269 enables an operator to selectively view either thosecampaigns that they are specifically associated with, or all campaignswhich are operating in the system. Main screen 266 also includes icons270, 272, 274, 276, 278, 280, 282, 284, 286, 288 and 290. Selectingthese icons enables a user to access and modify the associated datawhich controls operation of the system. It should be understood thatwhile a Microsoft® Windows® type graphical user interface is presentedin the exemplary embodiment, in other exemplary embodiments other typesof interfaces may be used. These include, for example, non-visual typeinterfaces through which a user may input and receive data.

In operation of the system the user is enabled to define the data whichcontrols the system operation. Such data may generally be populated inany order, and it should be understood that the examples presentedherein are exemplary. To provide or view the current information aboutATMs and other transaction terminals, a user may select icon 284 in FIG.33. The selection of icon 284 causes an SST management window 292 shownin FIG. 68 to be presented. Screen 292 includes a listing of ATMs orother transaction terminals which are operating in connection with thesystem. This window displays the terminal names, identification data,location, configuration data and the merchants with which each terminalis associated. By selecting icons 294 the user is enabled to add, modifyor delete terminal information from screen 292. In addition, byselecting an icon 296 a user is enabled to view a location screen laterdiscussed, and by selecting an icon 298 a user is enabled to view amerchant list as later discussed.

By highlighting and selecting one of the selected terminals in screen292, a user is enabled to view selected information about that terminal.The information includes data corresponding to attributes of the ATMterminal. Selecting a terminal from screen 292 causes a screen 300 likethat shown in FIG. 69 to be displayed. Screen 300 includes informationabout the particular terminal including its location, features and otherinformation. Screen 300 includes configuration data indicated 302 forthe particular terminal. This data may include, for example, thepresentation materials resident on the terminal as well as local stateand screen data, when local states and screens are used. Theconfiguration data can be modified by selecting an icon 304. Selectingicon 304 from screen 300 causes a screen 306 to be displayed which isshown in FIG. 74. Screen 306 lists feature sets which are included onthe ATM. By selecting icons 308 in screen 306, the user is enabled toadd, delete and edit feature sets. For example, if a user inputs aselection to add a feature set, a screen 310 shown in FIG. 75 isdisplayed. Screen 310 enables a user to provide a name and descriptionfor the particular feature set. The user then selects one of icons 312to accept or edit the feature set description.

Alternatively, by selecting a feature set in screen 306 or by indicatingthat they wish to define a new feature set in screen 310, the systemprovides a feature set definition screen 314, which is shown in detailin FIG. 76. Screen 314 indicates the feature set and its description aswell as the features that are available on the terminal to operate inconnection with the presentation materials. Screen 314 further includesthe particular features that are available on the terminal as well ascurrently defined features that are enabled to be added to the terminalbased on the available feature types that the terminal can operate.

For a selected feature type, a user is enabled to review and set up therules which control the presentation of that feature on the terminal.For example, if a user selects “coupon rules” from the available featureselection, a screen 316 shown in FIG. 77 is presented. This enables auser to define the coupon feature and description for the particularterminal. By selecting the “coupon selection” feature type from screen314, a coupon selection screen 318 shown in detail in FIG. 78, isdisplayed. Screen 318 enables a user to define the screen layoutsassociated with a coupon selection feature definition. As can beappreciated from screen 318, a user is enabled to designate whichfunction keys are active on the interface for a coupon presentation.

Selection of graphics under the available feature types from screen 314causes a screen 320, which is shown in greater detail in FIG. 79, to bedisplayed. Screen 320 enables an operator to set up graphic definitionsfor particular icons which will be presented on the screen of the ATM asreferenced in the layout shown in screen 318.

Selection of the local screen file designator among the availablefeature types in screen 314 causes a local screen file featuredefinition screen 322 to be displayed. Screen 322, which is shown ingreater detail in FIG. 80, enables the user to review and inputinformation describing a local screen file stored at the terminal.Likewise, selection of the local state file from the available featuretypes in screen 314, causes a screen 324 to be displayed. Screen 324enables the user to input and review information concerning a localstate which is present in the state logic operating the ATM. Such localstates may include states such as states 432, 470, 452, 488 or otherstates that enable the graphical presentations to be presented atcertain times in the logic flow Likewise, selection of the movie featureunder the available feature types in screen 314, causes a screen 326 tobe displayed. Screen 326, which is shown in greater detail in FIG. 82,enables the user to provide and review information concerning the videoformat and type that the particular terminal may present.

As will be appreciated from the foregoing description, an operator isenabled to set up the configuration data for each ATM by populating orchanging the data in the screens which may be accessed by makingselections from screen 300 shown in FIG. 69. In addition, operators areenabled to add new ATMs to the system from either the screen 292 shownin FIG. 68 or screen 300 shown in FIG. 69. This may be done by selectingicon 294 in screen 292 or the “define new location” icon in screen 300.Selecting these icons causes a screen 328 to be displayed. Screen 328 isshown in greater detail in FIG. 71. Screen 328 includes a template forinformation to be input regarding each ATM which is referred to as aself-service terminal (SST). Screen 328 is used to guide the operator toinput the required information about each ATM including informationabout a merchant with whom the ATM may be associated.

Selecting icon 296 from screen 292 causes a list of ATM locations to bedisplayed. This list is represented by a screen 330, which is shown ingreater detail in FIG. 70. Screen 330 provides a listing of alllocations for ATMs connected to the system.

Selecting icon 298 from screen 292 enables a user to display a merchantselection screen 332. Merchant selection screen 332 includes a listingof merchants who are associated with ATMs connected to the system. Themerchant selection screen is shown in greater detail in FIG. 72.Further, by selecting appropriate icons from screens 328 or 332, theuser is enabled to display a merchant add/edit screen 334. The merchantadd/edit screen which is shown in greater detail in FIG. 73, enables auser to input or modify the information concerning the merchantassociated with a particular ATM.

Thus it will be appreciated that the logic carried out by the softwareand the associated user interface enables an operator to enter the dataand instructions necessary to define the locations and characteristicsof ATMs and other self-service terminals that are connected to thesystem. An exemplary embodiment enables an operator of the system toestablish selected groups of ATMs which will receive campaignpresentations. This is useful as it enables selectively presentingcampaigns which are expected to be of interest to persons in theparticular location. This may involve promotions for the particularbusiness in which the ATM is located. Alternatively, an operator mayselectively distribute campaigns to ATMs that are in proximity tooperations of advertisers. Similarly, the division of ATMs into groupsmay be used to prevent the presentation of advertising that would beconsidered inappropriate in particular locations such as advertising ofcompetitive entities. However as later discussed, presentations may beselectively “rolled back” at particular ATMs as well.

The user is enabled to define groups of ATMs by selecting icon 270 fromthe main screen 266. This causes a distribution list screen 336 to bedisplayed. Distribution list screen 336 is shown in greater detail inFIG. 34. Screen 334 shows the distribution list that had been created inthe system as well as the number of self-service terminals (SSTs) whichcomprise ATMs which are part of the group. Selecting an appropriate iconfrom screen 336 indicating that a group is to be added, causes a mainselection screen 338 to be displayed. Main selection screen 338 which isshown in greater detail in FIG. 35 enables a user to define a new namein the distribution list.

Selecting a particular distribution list name from screen 336 causes agroup properties screen 340 to be displayed. Screen 340 is shown ingreater detail in FIG. 36. Screen 340 enables an operator to selectivelyinclude and exclude ATMs in a group. This is done based on selectioncriteria such as machine properties and configuration data which anoperator may input from the screen 340. By selecting appropriate iconsthe user is enabled to review terminals that are included in any group.This is done by the system causing a screen 342 to be displayed. Screen342 is shown in greater detail in FIG. 37. The user is also enabled toedit the information concerning the particular terminal in screen 342.In addition to editing information, the user is further enabled todefine listings of key words that are associated with a particularterminal. By associating these particular key words with a giventerminal, a user is enabled to locate terminals having particularproperties more readily through use of the system. In addition, itshould be further understood that in this exemplary embodiment if ascreen is structured so that a user is enabled to modify data such asterminal information in a particular screen, modifications within onescreen will cause the system to modify the data that is displayed inother screens associated with the terminal. This enables the user tochange associated records by making a single change in a particularscreen.

From the distribution group property screen 340, an operator is furtherenabled to view a listing of selected terminals which is presented in ascreen 344. Screen 344 is shown in greater detail in FIG. 38. Screen 344displays a listing of the particular information which corresponds tothe terminals which make up a particular group. This enables the user tomore readily review the ATMs or other transaction terminals which makeup the set of terminals which display selected promotional campaigns.

There are at least two types of campaigns which may be presented tousers at ATMs in the exemplary embodiment. One type of campaign mayinvolve presentations which are intended to be targeted to a particularuser based on information that is stored in connection with themarketing server concerning the particular user. Such targeted campaignsmay include a sequence of presentations presented in a particular orderto the user on successive visits to an ATM connected to the system. Suchpresentations are output to the user through operation of the 1:1 agentas previously discussed. Another type of campaign is one that involvespresentations to all users of the ATM or categories of users who conducttransactions at the ATM. These campaigns include presentations that arenot resolved as specifically appropriate for the current user of themachine. In the exemplary embodiment, to carry out either type ofcampaign the presentations associated with the campaign must be loadedinto a local data store associated with a computer that runs in oradjacent to the ATM. In many embodiments the local data store used tostore the software programs which run the ATM is also suitable forstoring presentation materials. Increased storage capabilities may beachieved by applying data compression techniques to presentationmaterials such as LZW compression. In alternative embodiments otherlocal data stores and storage techniques may be used.

The loading of presentations which comprise campaigns is done by anoperator operating the exemplary form of the Iq® ESD system by selectingicon 272 in the main screen 266. This causes the system to display acampaign creation screen 346. The campaign creation screen is shown ingreater detail in FIG. 39. Screen 346 shows the campaign name,description, the group associated with the campaign, the current status,and the authorized operator or other entity identification associatedwith the campaign. By selection of appropriate icons in the screen 346,the user is enabled to add, edit or delete campaigns.

If in reviewing the current campaigns in screen 346 shown in FIG. 39, anoperator wishes to discard a current campaign, such as to replace itwith a new one, the operator is enabled to select an icon to send acampaign to a “waste basket.” From the screen 346 the user is enabled toaccess a waste basket screen 347. Screen 347 shows the campaigns whichhave been discarded to the waste basket. If an operator wishes toresurrect the campaign from the waste basket, either in its originalform or for modification, they may do so by selecting the appropriateicons in screen 347. As a result, the exemplary embodiment provides forpreserving campaigns which have been discarded. This may prove valuablenot only for reinstating campaigns which are desirable, but also forevaluating performance of campaigns. The content of prior campaigns canbe reviewed and compared to current campaigns for purposes of evaluatingdifferences and customer acceptance.

Assuming that an operator makes a selection to add a campaign fromscreen 346, the system causes a screen 348 to be displayed. Screen 348which is shown in greater detail in FIG. 40 prompts the user to providea name for the campaign as well as a description. The user is alsoprovided with distribution lists of the ATM groups to which the campaignmay be distributed. The existing distribution list corresponding to thedistribution list data from screen 336 is displayed. The operator isalso provided with the option of creating a new distribution list inscreen 348.

In addition to designating the particular campaign and group to which itis distributed, the operator also defines the particular marketingpackage that they are going to distribute. This is accomplished by theuser following the logic for data entry presented by the system. Forexample, from screen 346 or 348 the user may access a screen 350. Screen350 is a create marketing package screen, which is shown in greaterdetail in FIG. 41. Screen 350 enables a user to select icons 352, 354,356, 358, 360 and 362. These icons enable a user to select theparticular components which will be included in the presentationmaterials that are delivered to the ATMs that will have the capabilityto carry out the campaign. Selection of the icons from screen 350 alsoenables the operator to set up the local state and screen configurationsfor selected terminals. This capability enables the inclusion of statesand screens in the logic flow which enables an ESD agent and/or a 1:1agent to deliver or output the presentation materials.

For example, from screen 350, selection of the icon 352 causes a screen364 to be presented. Screen 364 which is shown in greater detail in FIG.42 lists the coupon applications that are available to be sent to theATMs to provide coupons to a user. Selection of icon 354 in screen 350causes a screen 366 to be displayed. Screen 366, which is shown ingreater detail in FIG. 43, shows the available coupons. By selectingicons in screen 366, the user is enabled to add the particular couponsto the campaign being developed. A further useful aspect of theconfiguration of this exemplary embodiment is that the user is enabledto view the particular coupon layout as they are selecting it to add tothe presentation materials which comprise the campaign.

As can be appreciated from screen 366, the user is enabled to exit anddisplay a further screen 368, which is shown in detail in FIG. 44.Screen 348 includes a graphical representation simulating the userinterface of a particular type of ATM through which presentations willbe output. This representation enables an operator to graphically set upthe screen characteristics for the icons and graphics to be presented ina coupon presentation. The operator is enabled to set additional displayfeatures, including the different types of coupons a user is enabled toprint. In addition, the operator is enabled to select which inputbuttons will be operative when the particular screen associated with thepresentation is output. From screen 368 the operator is enabled toselect from a variety of images and graphics which may be presented to auser as part of the campaign.

As an operator makes selections in screen 368, the system of theexemplary embodiment is operative to enable the operator to setparameters for the displays. For example, as shown in FIG. 45, a screen370 is presented which is a modified form of screen 368. In screen 370 auser is enabled to determine the operation of the function buttons thatare adjacent to the ATM screen on the particular type of user interfaceon ATMs that will present the campaign. This includes, for example,enabling the operator to select which buttons will be operative toperform a function as well as which buttons the customer may operate tomove from the particular screen to a next screen. From screen 368, theoperator is enabled by selecting items in the coupon list, to view agraphics showing the coupons that will be presented. An example of adisplayed discount coupon for a beverage is shown in screen 372 shown inFIG. 46. This enables the operator to view the coupons, graphics, iconsand other materials that will be used as part of the campaign.

By selecting icon 356 from screen 350 shown in FIG. 41, an operator isenabled to display a screen 374 shown in greater detail in FIG. 47.Screen 374 enables the operator to display selected graphicpresentations as part of the campaign. In addition, from screen 374, theexemplary system enables the operator to view graphics which areavailable in the computer or in connected computers being used toprovide presentations which will be part of the campaign. Viewing theavailable graphics facilitates making the decision on whether to addthem to the campaign. By selecting screen graphics in screen 374, theoperator determines which graphics will be included in the presentationmaterials downloaded to the self-service terminals.

Selection of icon 358 in screen 350 causes the system of the exemplaryembodiment to display a screen 376. Screen 376 which is shown in greaterdetail in FIG. 48 enables the operator of the system to selectpresentations which include video files and to include thesepresentations as part of the campaign. The operator from screen 376 isenabled to review available video files and to select them for purposesof inclusion in the campaign. The operator's decision to include a videofile in response to the options in screen 76 will result in thatparticular file being downloaded to the ATMs as part of the presentationmaterials through operation of the computer. When making selections fromthe screen 376, including by selecting the “play” icon, an operator isenabled to display the video that they are considering adding to theircampaign. This is done in the exemplary embodiment through a screen 380which is shown in FIG. 49. Screen 380 includes a timer which enables theoperator to evaluate the video for proper length. In addition, bymanipulating the icons shown in FIG. 376 the operator is enabled toeffectively edit the presentations so as to tailor them to theparticular campaign desired.

By selecting icon 360 in screen 350 shown in FIG. 41, an operator isenabled to display a screen 382 which enables the user to configure alocal state on the ATM to enable presenting the particular campaign.Screen 382 is shown in detail in FIG. 50. Screen 382 shows the stateswhich are available to be configured into the logic flow so that thepresentations associated with the campaign can be appropriatelypresented. Screen 382 shows, for example, the local states associatedwith a particular function carried out by the ATM. This stateinformation is indicative of the particular operations being performedby the ATM during which there may be opportunities to presentpromotional presentations associated with a campaign. State informationmay also include special states of the type previously discussed whichare used in connection with selecting or presenting presentations. Theuser selects one of these groups of states from screen 382, which causesa state file feature screen 384, which is shown in FIG. 51, to bedisplayed. The state file feature screen enables a user to select theparticular local states that are to be added to enable the ATM topresent the marketing presentation materials in the manner desired bythe operator.

By selecting icon 362 in screen 350 shown in FIG. 41, a user is enabledto select local screens to be presented at the particular ATM. Selectionof icon 362 causes a screen 386 to be presented in the exemplaryembodiment. Screen 386 is shown in greater detail in FIG. 52. Screen 386enables the operator to select the local screen files which will bemodified or otherwise included on the ATM to enable the ATM to deliverthe presentation materials associated with the campaign. By selectingparticular screen files from screen 386, the system causes a screen 388shown in FIG. 53 to be displayed. Screen 388 enables the operator toselect a particular local screen file to be included in the ATMs onwhich the campaign is to be presented. This activity may include forexample configuring the terminal so that a particular presentation isoutput in place of a “please wait” screen while the terminal executesthe steps associated with a particular state.

It should be understood that while in the described embodiment, localstate and screen files may be downloaded to or configured in the ATMs toaccommodate particular marketing campaigns, in alternative embodimentsan agent or other software may operate to provide presentations withoutthe provision of special local states and screens. This may be done, forexample, as previously described by the agent opening and closinggraphic windows overlying or underlying the standard screens. Inaddition, presentations may be output using other approaches such as theuse of framing, screen within a screen, presentation of contrastingcolors for overlaid screens, or other appropriate approaches for theparticular campaign to enable the presentation materials to be presentedto a user while not interfering with the financial transactionauthorization functions of the ATM. Other types of outputs such as audiooutputs may also be included in presentations in some embodiments. Suchaudio presentations may or may not be accompanied by correspondinggraphical outputs. Numerous types of presentations may be providedthrough use of the exemplary embodiments depending on the output andinput capabilities of the terminals at which presentations are made.

From the main screen 266 a user is enabled to schedule availability ofcampaigns by selecting an icon 274. Selection of icon 274 causes ascreen 390 to be displayed. Screen 390 is shown in greater detail inFIG. 55. Screen 390 displays the campaigns, their descriptions and theircurrent status. The current status includes information as to whetherthe presentation materials, which must be loaded on to the ATMassociated with the campaign, have been delivered to the ATMs as well aswhether the presentation has been activated so that the campaigns areactually being presented. Current status may include informationreflecting that a campaign exists, but that its delivery and activationhave not been scheduled. Likewise, a status may indicate that deliveryof a particular campaign has been canceled. By selecting icons in screen390 an operator of the system is enabled to schedule delivery of aselected campaign or to cancel such delivery.

If an operator selects the appropriate icon to schedule a campaign fromscreen 390, the system causes a screen 392 to be displayed to a user.Screen 392 which is shown in greater detail in FIG. 56 enables a user tospecify the time and date that the presentation materials are to bedelivered to the ESD agents or other loading software associated withthe ATMs on which the campaign is to be run. As will be appreciated, acampaign cannot be presented to users until the presentation materialsare delivered. Often the operator will wish to schedule the delivery ofpresentation materials during off hours, particularly in thosesituations where a loading of such materials into memory willnecessitate taking the ATM out of service for a period of time.

As also shown in Screen 392, the user is enabled to set the time whenthe campaign is to be activated. The operator is enabled to set thistime based on the time locally where the server is located, oralternatively if the ATM (SST) is located in a different time zone, toschedule activation in accordance with a local time where the ATM islocated. This may be useful, for example, where campaigns must start andend on a particular day and it would be undesirable to have a campaignactivated early or late because the ATM is located in a different timezone from the market message server.

When the operator schedules delivery of a campaign, the operator isenabled to view information concerning the delivery and activation ofthe campaign through a screen 394. Screen 394 which is shown in greaterdetail in FIG. 57, shows the campaign name as well as where the campaignwill be delivered. This includes an indication of the group listing andthe number of ATMs in the group. Screen 394 also indicates the currenttime at the server. The screen also indicates the time when thepresentation materials are to be delivered as well as the time when theactivation of the campaign will occur. For the operator's conveniencethe system also calculates the timed delivery and timed activation ofthe campaign. By the operator selecting the view SST list icon in screen394, the operator is provided with a screen 396. Screen 396 shown indetail in FIG. 58, provides a listing of all the ATMs where the campaignwill be available to be presented.

The exemplary embodiment of the system enables an operator to reviewhistory information concerning campaigns. This may be done from the mainscreen 266 shown in FIG. 33 by selecting icon 280. In response thesystem causes a history screen 398 to be displayed. History screen 398which is shown in greater detail in FIG. 63, provides the operator witha history of the campaigns. From the history screen, the operator isenabled to cancel campaigns or to send campaigns to the waste basketfrom which they may be later recovered as previously described. Byselecting a view icon in screen 398, the system is operative to presenta screen 400 which provides an operator with information concerning aselected campaign, which is selected by highlighting a particularcampaign from the screen 398. Screen 400 is shown in detail in FIG. 64.Screen 400 provides a user with particular information concerning agiven campaign.

From the main screen 266 shown in FIG. 33, an operator is enabled toreview the campaigns for which presentation materials have been storedat any particular ATM. This is accomplished by selecting icon 280 whichcauses a screen 402 to be displayed. Screen 402 shown in FIG. 65,provides a listing of the particular terminals. Screen 402 also providesthe operator with information concerning when the last “snapshot,”“rollback” and file retrieval was conducted for the particular terminal.By selecting icons from screen 402 the operator is enabled to view thedistribution history of campaigns as well as to review other files whichshow results from the particular terminal. If a user elects to view thehistory of campaigns at the particular ATM, a screen 404 is presented.Screen 404 is shown in greater detail in FIG. 66. Screen 404 provides agraphical representation of the particular campaigns that have beendelivered and activated on that particular ATM over time.

The operator of the system is enabled to establish rules for access byauthorized operators of the software used to set up the marketingcampaigns. This is accomplished from screen 266 shown in FIG. 33 byselection of icon 286. Selection of icon 286 causes a screen 406 to bedisplayed. Screen 406 which is shown in greater detail in FIG. 83enables an authorized operator to review a listing of persons authorizedto access the system. From screen 406 the operator is enabled to add anddelete users from the system. The addition of authorized operators isaccomplished in response to selection of an appropriate icon from screen406 which causes a screen 408 to be displayed. Screen 408, which isshown in greater detail in FIG. 84, enables the administrator of thesystem to add new users as well as their passwords, and to define thelimits of the activities that they are permitted to conduct using thesystem.

As previously discussed, in an exemplary embodiment an ESD agentresident on an ATM terminal may be configured to capture data related tothe marketing campaigns and to return this data to the market messageserver for analysis. In exemplary embodiments, the ESD agent may beoperative to accumulate data concerning customer reactions to marketingpresentations such as the number and types of presentations made, andthe number and types of coupons printed, and to periodically report thisdata in messages to the market message server. Alternatively, the ESDagent may be operative to report each activity and/or response which isreceived from a customer so that the market message server is relativelycontinuously updated concerning the effectiveness of marketingcampaigns. The ESD agent may report activities other than those handledby the 1:1 agent or alternatively may be configured to report datarelated to all marketing activities.

In the exemplary embodiment, from the main screen 266 shown in FIG. 33,the operator is enabled to obtain reports for time periods concerningthe system. This is done by selecting on an icon 282 shown in FIG. 33.Selecting this icon in the exemplary embodiment causes a report screen410 to be displayed. The report screen 410 is shown in greater detail inFIG. 67. The report screen enables a user to select a time period ofinterest as well as to select totals of interest to the operator. Thesemay include, for example, information on the number and types of couponsthat have been dispensed by the ATMs. Alternatively the report mayinclude information on the number of presentations of videos or otherpromotional items that have been made to operators of ATMs within aselected time period. From screen 410 the operator may be presented withadditional screens which enable further analysis of various parameterswhich are indicative of marketing presentations and efforts that havebeen made by the system. This information may be analyzed, printed,exported to other systems or otherwise used for purposes of analysis ofthe system operation.

A further feature of the exemplary embodiment is the ability of the userto review the status of ongoing campaigns. This is accomplished from themain screen 266 by the operator selecting an icon 276. Selection of icon276 causes a snapshot/rollback/file retrieval screen 412 to bepresented. Screen 412, which is shown in detail in FIG. 59, shows alisting of retrieval, rollback and snapshot events which are scheduledby the system. The selection of an appropriate icon from screen 412causes screens associated with snapshot, rollback and retrieval eventsto be displayed.

An example of a snapshot screen is screen 414 shown in FIG. 60. Screen414 shows the snapshot parameters. Snapshot sends a message to an ATM tosave its marketing configuration parameters to a special directory. Thisenables the operator to view all the information concerning thepresentation materials that are resident on that terminal.

A screen 416 shown in FIG. 61 displays parameters to the operatorassociated with a rollback event. A rollback event sends a message to anATM to discontinue a current campaign. This may be done selectively on asingle terminal or may be accomplished for a group of terminals asdesired. A rollback can be scheduled or cancelled by the systemoperator.

Selection of a file retrieval event from screen 412 causes the system togenerate a file retrieval screen 417 shown in detail in FIG. 62. Thefile retrieval screen includes the listing of data which the operatormay select to retrieve from the ESD agents in the ATMs in each selecteddistribution list. The system may operate depending on its configurationto recover this data from the ATMs at a selected time. This is done insome embodiments by the market message server accessing the selectedterminals through a dial up or other intermittent connection to recoverdata therefrom. Alternatively, in systems where the ATMs report themarketing results in real time, such as through a generally continuousTCP/IP connection, retrieval information may be calculated by reviewingthe captured information stored in a database associated with the marketmessage server.

Exemplary embodiments also include the capability for operators of thesystem to develop the marketing campaigns that are specifically targetedto a user currently operating an ATM terminal. This is accomplishedthrough software which runs on the marketing server or other connectedcomputer in the system. The software which provides this capability isreferred to by the Assignee of the present invention as Iq® CRM.

The software which enables setting up campaigns targeted to specificusers causes the generation of screens which provide a graphical userinterface to operators setting up the system. This graphical userinterface may utilize logic and present screens similar to thosepreviously discussed in connection with the Iq® ESD software. Thefeatures already described which are useful for restricting access toappropriate operators, collecting and loading presentation materials andscheduling times and terminals by which campaigns may be delivered maybe included. Of course alternative or additional capabilities may beprovided. Alternatively, software may be provided which includes thecapabilities for setting up both general and targeted campaigns, loadingof presentations and necessary logic to terminals, controlling campaignsand analyzing results.

FIG. 85 shows an exemplary embodiment of an output screen 520. Screen520 is generated responsive to operation of the software used formarketing to a targeted user. Screen 520 is similar to screenspreviously discussed in that it includes listings of campaigns which canbe presented by the system. Screen 520 also lists the status of eachparticular campaign and a time that the campaign is scheduled fordelivery.

Screen 520 also includes a number of graphic icons 522. Icons 522 enablean operator of the system to review and/or populate data which is usedto direct marketing messages to specific users of the ATMs or othertransaction terminals used in the system. In the exemplary embodimentthe operator is enabled to select an icon which provides the operatorwith information on the definition of various market segments into whichcustomers may be categorized. These market segments with whichparticular customers may be associated are used to target the particularcampaigns to particular customers.

Other icons presented in screen 520 enable the operator to review andcompilate information about particular customers who are to receivepresentations from the system. The customer data may include thecustomer name and PAN or other identifying data. The customer data mayalso include other information about the customer as well as data whichcan be used to correlate the customer with other information. Theoperator is also enabled to select an icon associated with a “portfolio”on a given customer. This portfolio data may include data that is usefulin determining a particular market segment or segments in which aparticular customer may be categorized. It may also include informationabout presentations made to the customer, offers previously accepted ordeclined by the customer or other information which is usable by thesystem in deciding whether to present particular presentations to thecustomer.

The types of customer data which are included may be relatively limitedor extensive depending on the system. For example in some embodimentsdata concerning customers may include information about birth dates,anniversary dates, family relationships and other information which maybe useful in serving the customer. Screen 524 shown in FIG. 87 shows anexample of the capabilities of targeted marketing to a particular user.In this example the information concerning the customer includes a dateassociated with the customer's wedding anniversary. A few days beforethe customer's wedding anniversary and through the date thereof thecomputer may operate to cause a presentation like that shown in FIG. 87to be presented whenever the user operates an ATM connected to thesystem. In this way the user is less likely to forget their anniversary.The user is also presented with the opportunity to purchase a productwhich in this case includes a bouquet to be sent to the user's spouse.

In this example the system also includes sufficient information todirect the purchase appropriately if the customer elects to accept theoffer. The customer is provided with the convenience of charging thecost of the product to their particular account. This is achieved in theexemplary embodiment because the marketing system has the numberassociated with the user's account to which a charge may be assessed. Anaffirmative response by the user causes the system to send anappropriate message to a service provider to complete the customerpurchase. These may include providing the message concerning thepurchase to a human service provider through an administrativeworkstation. The human service provider can then complete the purchasefor the customer. Alternatively acceptance of the product offer mayresult in an appropriate electronic message being sent to a third partyservice provider such as a florist who can fulfill the purchase. Thismay be accomplished by linking the marketing server to other systems inother networks such as through the Internet. In this way the customer'sorder can be rapidly completed. In some exemplary embodiments thecustomer's acceptance of the offer is also recorded and the informationused in deciding whether to make additional presentations to thecustomer in the future. Of course screen 524 represents only one exampleof the capabilities of systems of the exemplary embodiments.

The information stored in the system concerning particular customers mayalso include data representative of a selected marketing presentation tobe output to the customer the next time the customer operates an ATMconnected to the system. This may done through operation of themarketing message server in advance of the customer's next transaction.In this way the next time the customer is identified at a terminalconnected to the system the particular presentation data is more readilyresolved. This reduces delays that might otherwise be associated withresolving this information through logic steps that are executed at thetime the customer appears.

Other capabilities of the exemplary system include the ability of anoperator to review and add products to the system which can be marketedthrough connected terminals. This information may include for exampleinformation about products and services and the presentations associatedtherewith. Product information may also include the logic stepsassociated with the system taking actions in response to the customer'sinputs in response to presentations. The product information may alsoinclude designs of graphics or other presentations associated withpromotions for the particular products. The capability to review,import, edit, and modify such presentations may also be included in thesystem as previously discussed.

Operators of the exemplary system are also enabled to design thecampaigns which are directed to particular users. In the exemplaryembodiment this is done through a visual programming technique which isrepresented by a screen 526 in FIG. 86. Screen 526 includes graphicalrepresentations of the displays, questions and prompts which areincluded in a presentation which is made to a customer. The programmingalso includes the particular time-out connection so that the marketingsession may terminate if the customer does not respond. This exemplaryvisual programming technique facilitates compilating the data andformulating the logic which makes up the presentation data included inmarketing response messages delivered by the server. As previouslydiscussed, campaigns may consist of a single presentation as representedin screen 526. Alternatively campaigns may consist of a group ofpresentations which may be presented to a customer at random or in aparticular ordered sequence as the customer makes successive visits toATMs connected to the system. As can be appreciated a variety of typesof presentations may be configured using the exemplary system.

The exemplary embodiment of the system also enables the operator toprovide targeted marketing messages on a priority basis to one or moreselected customers. Such priority messages may be provided by marketsegments or may be directed to an individual user. This is done throughselection of a “priority” icon represented in screen 520. By configuringinstructions associated with the priority icon, an operator is enabledto give a message to particular designated users the next time the useroperates an ATM connected to the system. These particular prioritymessages interrupt a sequence of messages in a campaign that may be inthe process of being presented to the user. Generally after the prioritymessage or messages are given the current campaign to the user maycontinue upon the next ATM visit from the point of interruption, oralternative campaigns may be commenced depending on the configuration ofthe system.

An example of a priority message which may be desirable to give to acustomer may be the wedding anniversary presentation represented inscreen 524. Alternative types of priority promotions may include amessage that a user's certificate of deposit is about to expire and arenewal is required. Alternative priority types of presentations mayinvolve other products or situations that may be of particularimportance to a particular user or a particular group of users. Thisfeature of the exemplary embodiment of the system enables the operatorto insert these priority presentations and to have them presentedwithout disrupting the overall marketing operation of the system.

As also represented in connection with screen 520 the exemplary systemenables an operator to generate a plurality of reports. These reportsmay include reports including various statistics which can be generatedfrom the data available to the system. A report may include for examplesuccess rates associated with particular types of presentations. Reportsmay also include numbers and types of responses presented by particularusers or groups of users. The reports may also include information aboutmarket segment analysis and responses to particular presentations orcampaigns by customers within particular market segments or havingparticular circumstances. Reports may also analyze customer activitiesat particular machines or within particular geographical regions. Ananalysis may also be done on a time dependent basis to determine theresponse to particular campaigns or presentations at various times ofday. Numerous types of reports can be generated by the system and anoperator may configure the system to generate such reports either on aperiodic or on demand basis. As will be appreciated the exemplaryembodiment also has the capability to export data including report datato connected systems which enable advertisers, persons who have paymentobligations or a right to receive payment based on results, or otherpersons interested in the results, to analyze activities of the system.Of course, other reporting capabilities which may be achieved throughuse of the exemplary embodiments will be apparent to those skilled inthe art from the foregoing description.

It should be understood that the described embodiments of the operatorinterfaces, data structures and logic for distributing presentationmaterials, developing campaigns and analyzing results is exemplary.Other embodiments may utilize additional or different data, logic flowsand graphical presentations while achieving the inventive functions.

Thus, the ATM customer marketing system of an exemplary embodimentachieves the above-stated objectives, eliminates difficultiesencountered in the use of prior devices, methods and systems, andattains the desirable results described herein.

As previously discussed, an exemplary ATM can separately orindependently communicate with both a remote transaction host server anda different remote server (e.g., a marketing server).

The ATM and host communication can be through a network. The ATMcommunication with the host computer is used to carry out bankingtransactions. For example, the host can authorize transactions.

The ATM and different server communication can also be through anetwork. The ATM communication with the different server can involveactions that are not transaction authorization related. For example, aspreviously discussed, the different server could be a marketing server.However, it should be understood that other servers can likewise be inindependent communication with the ATM to serve other purposes. Thus, asingle ATM can independently communicate with a plurality of remoteservers. Each server provides a specific purpose or function for theATM. Each ATM/server communication could be separate yet concurrent. Asa result, an ATM can achieve multi-level parallel communicationprocessing. The communication can include local networks, intranetworks, a wide area network, and/or the Internet.

In an example, instead of marketing type messages, security relatedmessages can be used. Instead of an ATM independently communicating withboth a transaction host and a marketing server, the ATM couldadditionally independently communicate with a security server. Thus, anATM could independently communicate with each of a transaction host, amarketing server, a security server, and some other types of servers.

A security server can be used to provide an ATM an additional level ofsecurity. For example, a separate or stand-alone card validationsecurity server can be used by the ATM in determining whether a usercard is valid. The ATM can read data from a user card, send the data ina request message to the card validation server, and receive a responsemessage sent from the validation server. The security function providedby the security server enables the ATM to accept or reject a user cardfor a transaction.

A card reader in the ATM can operate to read magnetic stripe informationfrom an inputted user card. The magnetic stripe information can includea PAN (primary account number) and the user's name. Other informationmay also be read from the inputted card, such as the bank or source thathandles the account number (or issued the card).

Read information, such as the PAN, can be sent from the ATM to the ATMtransaction host. The host can send the PAN in a PIN validation requestmessage to the customer's bank (or other source). The bank can determinewhether the PIN is acceptable, and then inform the host of thedetermined acceptability. The host can then inform the ATM.Alternatively, the host can use the PAN to request the stored PIN fromthe customer's bank. The host itself can then compare the stored PIN tothe PIN inputted into the ATM.

Thus, the transaction host computer can be used in verifying whether theinputted PIN corresponds to the PIN for the account number read from thecard. This security check can be viewed as PIN-based or user-based. Itdepends on non-card data (i.e., PIN) inputted by the ATM user. The datais then sent from the ATM to the host. This security function determineswhether the user (who inputted the PIN) is an authorized user.

In an exemplary embodiment, one or more additional security checks areperformed. The checks can be performed with or without involvement ofthe ATM transaction host. For example, the security check can beperformed by using a security check system other than (or in additionto) the transaction host. ATM/security system communication can beseparate and independent from the ATM/host server communication. Thus,an ATM can communicate with two or more independent branches (e.g.,servers, systems) in carrying out a transaction. This enables an ATM touse both a transaction host branch to authorize financial transactions,and another branch to validate a card and/or a user.

It should be understood that a security check on an inputted user PINmay continue to be carried out through a transaction host branch.Alternatively, the PIN security check may instead be performed throughanother branch which is disjoined from the transaction host branch.

The security checks can be user-based, user object-based, or anycombination thereof. A user-based security check can use useridentification provided or detected by an ATM to confirm the user as anauthorized user. Such user identification may comprise biometricinformation inputted by an ATM user. For example, user biometricinformation may involve one or more of a fingerprint, thumbprint, handscan, iris scan, retina scan, spoken password, voice print, voice(speech) recognition, image data, face topography data, facialrecognition, etc., or other characteristics or combinations thereof.Other information inputted to or sensed by an ATM may include an RFIDsignal, telephone call/signal, PDA signal, bar code, etc. The ATM caninclude input devices such as readers, detectors, and/or sensors thatare capable to receive such information that is usable to identify anATM user or an object of the ATM user.

An object-based security check includes a tangible object provided bythe ATM user. The object can be used to confirm the object or user asbeing authorized to use the ATM. For example, a user object may comprisea user card, a physical key, cell phone, etc., or some other object thatcan store and/or provide identifiable or readable information to an ATM.For example, a card-based security check can involve data or acharacteristic obtained from a user card. A card-based security checkcan depend only on a card read by the ATM. It does not have to depend onnon-card data inputted by an ATM user. Thus, this security function candetermine whether a card presented at an ATM is a card authorized forATM transactions. That is, whether the card is an authorized card. Theauthenticity of the card can be checked.

In an exemplary embodiment, additional security information is sensed orread by an ATM from a tangible user object (e.g., user card). Theadditional information may comprise unique identifying information. Forexample, a user card can include a magnetic stripe that has a distinctmagnet characteristic that is capable of repeated sensing to uniquelyidentify the individual magnetic stripe (and card). Generally speaking,the magnetic medium (e.g., stripe) can emanate a statistically uniquepermanent magnetic pattern or characteristic that can be read (e.g.,magnetically read). This unique magnetic characteristic or imprint canbe a product of the magnetic stripe manufacturing process. Like a fingerhaving a statistically unique fingerprint, a magnetic stripe can have aunique “magnetic print”. Thus, this magnetic print can be a uniqueidentifier for an object, such as a card having a magnetic strip.

In an exemplary embodiment the recognizable or measurable magneticcharacteristic of a medium (such as an originally created magneticstripe) is unique to that medium, regardless of the data (later) held inthe medium. Even with repeated changes in data storage, the medium maymaintain its magnetic uniqueness. A magnetic stripe originally providedonto a card can already have its magnetic characteristic before carddata is later added (stored) to the stripe.

Examples of some exemplary embodiments with regard to an ability touniquely identify an object based on a distinct magnet characteristic ofa magnetic medium (such as a magnetic stripe) may be of the typedisclosed in U.S. Pat. Nos. 6,098,881; 6,431,445; 6,899,269; 7,090,130,and U.S. Patent Application Publications 2003/0089774; 2005/0173530;2005/0167495; 2005/0167496; 2005/0218229, and the disclosure of eachaforementioned Patent and Application Publication are incorporatedherein by reference as if fully rewritten herein.

In some exemplary embodiments a magnetic area on a document can beidentified and authenticated on the basis of repeatable magneticcharacteristics of the area recorded with digital data. For example,magnetic stripes can be read or sensed to provide an analog signal. Aportion, such as the portion storing a plurality of zeros, can be used.Cyclically, the zeros can be sampled and digitized as a target number ofsamples using a frequency locked loop. The target number of samples foreach zero can then be reduced by a selection process that attains apredetermined number of digital samples that represent a magnetizedportion of a zero, such as a space between data transitions. Groups ofselected predetermined number of digital samples can then be combined toprovide a magnetic stripe's characteristic identifier. A machine user(or a user document) can be verified as an authorized machine user (oras a valid document) by correlating stored reference data with a read(or determined) magnetic characteristic identifier.

In other exemplary embodiments an imaging of magnetic fields can be usedin the authentication of user-provided magnetic data such as a magneticstripe on a card. Such arrangements can provide an increased tolerancefor misalignments of magnetic reading heads. Sensing circuitry can beused for sensing an image of a magnetic field by using an array ofmagnetic reading heads. Sampling circuitry can be connected to thesensing circuitry.

In an exemplary embodiment a user object is a user card that is capableof being used in a transaction machine, such as an ATM. An exemplary ATMincludes at least one device that can read (or sense or determine) theunique magnetic print or characteristic from a magnetic stripeassociated with the user card. A magnetic print reader or determiner maybe a distinct device which is separate from a card reader device thatcan read data from the magnetic stripe. Alternatively, the magneticprint reading and the magnetic stripe data reading can be part of thesame card reader device unit.

In the exemplary embodiment, a plurality of ATMs are in operativeconnection with a remote card validation system (or validator). The cardvalidation system can be separate and independent from the ATMtransaction host. The card validation system can include one or morecomputers and databases, including a one or more server computers. Themagnetic print captured by the ATM is sent to this remote cardvalidation system. For example, data corresponding to a read (ordetermined) magnetic print can be sent in a request message from an ATMto a server of a validation web site. The validator web site beingoperated by a card authentication authority. The entity that overseesthe card validation server and database can charge a fee for eachmagnetic print analysis performed.

A central card validation server and central database enables aplurality of ATMs to use the same source of validation. Thus, the carddata does not have to be stored on each ATM. The validation serverarrangement also enables the ATM to bypass the transaction host toobtain the card validation information.

As previously discussed, the validation system can be in operativeconnection with a plurality of ATMs in an ATM network system. Thecommunication between each ATM and the validator server can be carriedout through a separate card authentication channel or network. That is,an ATM can communicate back and forth with the validator server withouthaving to communicate through its transaction host server. TheATM/validation server communication can be separate and independent fromthe ATM/host server communication. As previously discussed, theATM/validation server communication can involve any manner oftransferring data, including a proprietary network, telephone networks,intra networks, the Internet, radio frequency, optical, etc.

The validation server is in operative connection with one or more ATMsand card databases (or data stores). A database is used to store aregistered magnetic pattern data as “reference” data. A database caninclude a plurality of different reference magnetic patterns (or prints)and other informational data. In the exemplary embodiment, the datastore is searchable.

A card having a magnetic stripe can be registered by having its uniquemagnetic print stored as a “reference”. That is, a registered card is acard that has its unique magnetic pattern stored in a card registrationdatabase. A particular reference magnetic print is a uniquecharacteristic identifier of a particular registered card. Later, thestored “reference” magnetic print can be used in comparisons todetermine whether a card is authentic.

A magnetic pattern received (for review) by the validator system can becompared to a registered magnetic pattern stored in the database. Thevalidator system includes a correlation analysis unit that can compareone (e.g., an ATM-read) representation of a repeatable magneticcharacteristic with at least one other reference representation of arepeatable magnetic characteristic. Thus, the validator system canauthenticate and validate a magnetic stripe of a card. An exemplarystructural arrangement and method that can be used to authenticate andvalidate a magnetic stripe of a card can be of a type disclosed in thepreviously incorporated by reference documents.

A registered card can be determined as valid if its magnetic printgenerally correlates to a stored reference magnetic print. After thevalidator system has performed the magnetic prints comparison, thevalidation server can send a response message to the ATM. The responsemessage can include the results of the comparison. In one exemplaryembodiment, the response message returns an accept/reject decision. Thatis, the validator makes the decision on the card's validity. In analternative exemplary embodiment, the response message returns acomparison “score” to the ATM. That is, the ATM makes the decision onthe card's validity. Also, other computers can be used by the validatorand the ATM in carrying out the decision making process.

A card's magnetic print authentication can be represented in a responsemessage from the validator as a rating or “score”. An ATM can use areturned score in making its decision on the card's authentication.

The card validation process enables the ATM to contact the remote cardvalidator at the beginning of every transaction. In some exemplaryembodiments, card validation can occur before an ATM (transaction) hostis contacted. In other exemplary embodiments, validation sessions may beconducted during lull times in a transaction, such as when the ATM iswaiting for a response message from an ATM host or at other suitabletimes during the transaction.

If the card is proved to be valid, then the transaction may proceed. Ifthe card is not proved to be valid, then the transaction may beprevented from proceeding. The customer can be excused and a reportingprocess can be undertaken. The card validation process enhances theprevention of fraud by reducing the ability to use skimmed, copied, orcloned (fraudulent) cards at an ATM.

As previously discussed, operation of the validator server can beseparate and independent from operation of an ATM transaction host.Likewise, ATMs/validator server communication is independent andseparate from the ATMs/transaction host communication. The independentcommunications can also occur simultaneously or concurrently, includingduring the same transaction. For example, while the card is beingchecked for authenticity the PIN can be checked for acceptability.

A service provider, being distinct from the ATM network system, canoperate as a stand-alone card verification system. The system includingthe validator server (and database). The data storage, reference dataretrieval, reference data comparison analysis, and subsequent cardvalidations can all be carried out through this authentication system.

Although description and operation of a remote system for validation ofa user card based on a unique magnetic print of the card are discussedherein in an exemplary embodiment, it should be understood that in otherexemplary embodiments other features, data, and/or characteristics maybe used as “reference” data. That is, exemplary embodiments are notlimited to use with a magnetic print of a magnetic stripe card. Nor is aregistration database limited to storing only card reference data. Otherreference data can be used in other exemplary embodiments.

For example, other uniquely identifiable data/features/characteristicscan be used as (or converted to) reference data. Reference data canrelate to one or more of a user fingerprint, thumbprint, hand scan, irisscan, retina scan, DNA, spoken password, voice (speech), image, PIN,PAN, telephone call, cell phone signal, PDA signal, RFID signal, object,key, bar code, magnetic stripe, etc., or other characteristics orcombinations thereof. Analysis or comparison of reference data may alsoinclude data comparison, user physical feature/characteristic (e.g.,fingerprint, voice, facial) comparison, signal comparison, objectphysical characteristic comparison, electrical characteristiccomparison, magnetic characteristic comparison, sound characteristiccomparison, visible characteristic comparison, frequency characteristiccomparison, wavelength characteristic comparison, optical characteristiccomparison, radiation characteristic comparison, chemical characteristiccomparison, structural attribute comparison, etc. Communication,storage, and analysis of data can also include data encryption,compression, conversion, etc.

As previously discussed, an ATM may send a read magnetic print to anauthentication authority in order to have the card verified as being avalid card for use in the ATM system. Thus, use of counterfeit magneticstrip cards can be prevented. However, it should also be understood thatthe ATM may also read user data from the strip, and then send the readuser data (and other data input by the user) to the authenticationauthority. The ATM can send the read user data separately or with theread magnetic print. The authority can compare the received user datawith stored authorized user data to determine whether the ATM user isauthorized to use the ATM to perform a financial transaction via thetransaction host. Thus, the authorizing entity (e.g., authenticationauthority) can both check whether the (physical structure of the)data-bearing record (e.g., magnetic stripe card, key chain, etc.)provided by a machine user is valid and check whether the content (userdata, PAN, PIN, etc.) stored in the data-bearing record is valid. As aresult, the transaction host can be free non-financial authorizations.Therefore, ATM to transaction host communication can be mainly directedto the authorizing and carrying out of financial transactions. Thesmaller number of ATM to transaction host communications can result inmore efficient use of the host.

Exemplary embodiments involving card registration will now be discussed.However, as previously discussed, a registration database is not limitedto storing card reference data. Nor is registration limited to cards.

In one exemplary card registration embodiment, no new cards are needed.Cards already in use today can continue to be used at an ATM, but theyfirst have to be registered in order to be protected via the validationprocess. An ATM network can be arranged so that a card cannot be used tocarry out an ATM transaction unless it is first registered. Differenttypes of card registration processes can be implemented.

In another exemplary embodiment of card registration, card registrationis implemented directly at any of a plurality of ATMs. Each ATMs islinked with the registration database, such as via the validator server.An ATM can read a card's magnetic stripe magnetic print, then cause thecaptured data to be sent to the validator server for storage in aregistration database.

It should be understood that a “reading” of a unique magneticcharacteristic can include any of sensing, determining, ascertaining,discovering, sampling, analyzing, calculating, approximating, andconcluding to achieve usable data that is reflective of the uniquecharacteristic. The reading can be performed by an ATM. In otherembodiments the reading can occur independently of the ATM. A magneticprint reader may include one or more computers.

One exemplary card registration process at an ATM requires directcustomer authorization for the registration. Another exemplary cardregistration process at an ATM occurs automatically, without customerawareness of the registration.

In the authorized registration process, the registration can be treatedas a separate “transaction”. The ATM runs an application that can handlethe registration transaction. This transaction may be designated“register your card for protection”. This transaction can be one of manytransaction options (e.g., cash withdraw request, etc.) presented to anATM user.

If the user's card was not previously registered, then the user may wantto select the available “register your card” option. The registrationselection grants direct user authorization for the card to beregistered. A record of the authorization can be stored by the ATMnetwork for later retrieval. The record may include time, date, andimages.

Following the user's selection for registration, the card's magneticprint is read by a magnetic print card reader of the ATM. Datarepresentative of the read magnetic print is sent to the validatorserver in one or more messages. A message can include a request toregister the magnetic print. Other information can also be sent in thesemessages. For example, this other information can include a card/useridentifier, such as a read PAN and/or a read user name. Further sentinformation can include the type of card reader used in the magneticprint reading and/or the ATM's identifier or return address.

A card/user identifier can be received from the user by the ATM. Cardidentifying data can be data representative of unique data (other thanthe magnetic print) read from the card, such as the PAN or the username. User identifying data can be data representative of a unique codeinputted by the user. The ATM itself can also generate a uniquecard/user identifier. The ATM can store the produced unique identifieron a magnetic stripe of a registered card for later readings. When thecard is again used, the ATM can read the identifier from the card. Also,identifying data can be a combination (e.g., PAN and user name) ofdifferent types of data.

The validator server causes received magnetic print representative datato be stored (or registered) as reference data in one or more accessibledatabases. Received identifying data is stored by the validation systemin correlated relation with the magnetic print data. The identifyingdata is stored in a correlated manner that enables it to be used by thevalidation system to pinpoint or access a stored magnetic print. Forexample, received identifying data (e.g., PAN) can be stored in linkedrelationship with received magnetic print reference data. Thus, both acard's magnetic print and its identifying data (e.g., PAN) can beregistered.

Other data may be stored in correlated relation with the identifyingdata and/or the reference magnetic print data. This other data caninclude a time/date of storage, a card reader type designator, etc.Again, the card reader designator can indicate the type of card readerthat was used by the ATM to read the card's magnetic print.

More than one type of card reader or sensor may be used by an ATM toread a magnetic print. Different types of card readers have differentreading capabilities. The validator can take this difference intoconsideration as a factor when analyzing a card. For example, if areference magnetic print was read by a first type of card reader and areceived magnetic print (to be checked) was read by another type of cardreader, then adjustments can be made in the comparison analysis of themagnetic prints to reflect the use of different card readers.

In subsequent card validations, the validator server can use identifyingdata received in a validation request from an ATM to retrieve fromstorage the particular magnetic print data (or a copy thereof) thatcorresponds to that particular identifying data.

For example, in an exemplary embodiment using a card PAN as theidentifier which is stored in the database, the storage relationship orcorrelation of data enables the magnetic print reference data to beaccessed by using its assigned PAN. In this exemplary embodiment, onlyone reference magnetic print per unique PAN could be registered.

During a subsequent card validation request (following prior cardregistration), the validator server receives from an ATM both magneticprint representative data and PAN representative data. The data beingproduced from a user card currently in the ATM. The validator uses thereceived PAN to access its correlating referenced magnetic print. Thevalidator can then cause the accessed reference magnetic print to becompared to the received magnetic print in a card validation analysis.

As previously mentioned, card registration at an ATM can be automatic.In the automatic registration process, the card is automaticallyregistered. The registration appears to the ATM user as part of a normaltransaction. There is no separate or special registration step orselection process on part of the user. Nor does registrationauthorization need to be granted at the ATM. Authorization, ifnecessary, may have been granted earlier.

In the automatic registration process at the ATM, the card's actualregistration status at the time of receiving the card is irrelevant tothe ATM. Rather, the ATM seeks information on the authenticity of thecard (i.e., valid or invalid card). This information is provided bythrough the validation server.

Continuing with the automatic registration example, the card's magneticprint is read by the ATM. A card/user identifier is also obtained by theATM. In this example, the PAN will be used as the identifier orcorrelator. However, as previously discussed, in other exemplaryembodiments the identifier can be other data received by the ATM.

As previously discussed, the ATM prepares data representative of theread magnetic print. The ATM also prepares data representative of theread PAN (or other identifier). The representative magnetic print dataand the representative PAN data are then sent to the validator server,in a manner as previously discussed. The validator server uses thereceived PAN data to determine if the same PAN was already stored. Thatis, the validator server determines whether the received PAN is new(unique) or was previously registered.

A card may be non-registered. If the received PAN is determined to be anon-registered (new) PAN, then the validator server causes the receivedmagnetic print data to be stored as a reference magnetic print in linkedrelationship with the received (new) PAN data. The validator server thensends to the ATM a response message that is reflective of the cardauthenticity. The validation process performed by the validation serveris finished. Because the card was newly registered, its authenticitywill be found to be valid.

A card may already be registered. If the received PAN was determined tobe a registered (old, stored) PAN, then the validator server causes thestored reference magnetic print data correlating to that PAN to beaccessed, in a manner as previously discussed. The validator server thenprovides validation analysis of the received magnetic print data bycausing it to be compared to the referenced magnetic print data. Ananalysis result is obtained. The validator server sends to the ATM aresponse message that is reflective of the analysis findings.

Following the server's sending of the response message, the validationprocess performed by the server is finished. However, in some exemplaryembodiments, the validation server may additionally cause the receivedmagnetic print data to be stored as the (new) referenced magnetic printdata. This action updates a valid magnetic print as the referencemagnetic print. There may be situation where the magnetic properties ofa card's magnetic stripe have slightly changed, yet the card was stilldeemed valid. However, further slight changes (without updating) maycause the card to be deemed invalid. Thus, the update can provide a moreaccurate representation of the authentic card.

From the viewpoint of the ATM involved in the automatic registrationprocess, whether or not the card was previously registered isimmaterial. The response message from the server is reflective of thecard authenticity. Based on the information in this response message theATM can either proceed with or cancel the user's transaction.

If the card validation review resulted in the card being deemed valid,then the ATM transaction is allowed to proceed. As previously discussed,a determination of card validity may be the result of the card beingnewly registered or the result of the card's authenticity beingconfirmed. However, if the validation review resulted in the card beingdeemed invalid (e.g., the read magnetic print of a card did not matchthe reference magnetic print registered with that card's PAN), then theATM transaction is prevented from proceeding.

A report reflective of the circumstances resulting in a decision of cardinvalidity can be initiated by the ATM (or the validation server). Thereport can also include user images captured by one or more cameras atthe ATM. A determination of a fraudulent card can also result in the ATMcapturing (retaining) the user card.

It should be understood that although bank ATM cards were discussedherein in particular, various other cards (e.g., credit cards, debitcards, smart cards, gift cards, etc.) can also be registered in likemanners at an ATM (or at another registration source). Thus, the cardsdiscussed herein are not limited to ATM cards. All cards having a uniqueproperty, such as a magnetic property (e.g., magnetic print), areapplicable.

It should also be understood that the card validating or authenticatingprocess/service discussed herein is not limited to use with ATMterminals. Rather, the card validator can be used to communicate withany business terminal that can provide to the validator a reading (tothe validator) of a card's magnetic print. Thus, an exemplary cardvalidation process can also be used in conjunction with businessestablishments such as stores, restaurants, fuel stations, etc. The cardvalidation process can likewise be used in online transactions. Abusiness web server can communicate with the validator server via theInternet. Thus, all types of business transactions that involve use of amagnetic stripe can be provided with an additional level of security.

It should also be understood that in an exemplary embodiment the systemof validating is not limited to use with only cards. A magnetic stripeis not limited to a card, but can be located on a plurality of othersources.

Furthermore, it should also be understood that in an exemplaryembodiment, the system of validating is not limited to use with aproperty (e.g., a magnetic print) unique only to magnetic stripes.Objects other than a magnetic stripe may also have unique properties.These unique properties may be natural or a byproduct (including arandom byproduct) of manufacturing that particular object. For example,manufacturing techniques may result in a uniqueness in RFID tags. Thus,it should be understood that all objects that have an identity orproperty (e.g., a magnetic print) unique to that particular object(e.g., a magnetic stripe) are also applicable.

As previously discussed, the validating server can cause anauthentication rating or “score” to be produced as a result of comparingmagnetic prints. The validator may use other networks in carrying outthe analysis and resulting score. This score can be used in the overallvalidating process to make an accept/rejection (or pass/fail) decisionregarding the magnetic print being reviewed. In one exemplary embodimentthe score is used by the validator, which makes the pass/fail decision.In another exemplary embodiment the score is sent to the ATM, whichmakes the pass/fail decision. In yet another exemplary embodiment thescore is passed from the ATM to the ATM host, and the ATM host makes thepass/fail decision. Of course, the validator, ATM, and host may be incommunication with other computers or networks that produce or assist inmaking the final decision.

Scoring can involve rules-based decisions to consider things like datasimilarity and acceptance threshold. A score could be a correlation typenumber ranging on a scale from approximately −1 to +1. Different ATMnetworks could have different baselines for acceptable cards. In anexemplary embodiment, a card could be considered valid if its magneticprint renders a score >0.5.

A card being registered could be identified as new, good (valid), orgiven a phantom acceptable score (such as 0.9). A copied or cloned cardcould render a score approximately at zero.

The rules can allow for detection of an exact magnetic print match. Anidentical match is statistically unlikely. Therefore, such accuracyprobably indicates a “playback” attack (or “replay” attack). Such anattack likely intercepted and copied a message before it reached thevalidator. The message contained the magnetic print data that was to beregistered. Later, the intercepted magnetic print data is used in anattempt to commit fraud.

The card validation process discussed herein provides enhancedprotection against card copying or cloning. After a magnetic stripe cardis properly registered, then the card is effectively protected against aclone thereof being validated. In an exemplary level of security usingthe validation process discussed herein, the ability to detect a clonedcard is greater than 99.9%.

It is possible for a copied or cloned (fraudulent) card to be registeredbefore the original (authentic) card. In such a situation, the magneticstripe of the cloned card would have been used to generate the (stored)reference magnetic print. Prior to the novel validation process, thecloned card would have been accepted anyway. Thus, there is nofraudulent risk increase due to the novel validation process.

However, there is a fraudulent risk decrease with the novel validationprocess. When the authentic card is later used, the card validationprocess causes a card duplication to be detected. As a result of thedetection, the card's account can be frozen and the situation rectified.Thus, even with a cloned card being registered first, the period ofvulnerability is shortened.

It should be understood that the ATM includes software that enables itto read the magnetic stripe, produce magnetic stripe characteristicdata, generate validation request messages, communicate with thevalidation server, etc. The validation server includes software thatenables it to communicate with the ATM, parse the message data, accessdata from the registration database, cause a magnetic stripecharacteristic data comparison to be performed, etc.

FIG. 98 shows an exemplary system 11 including an ATM 12, a remotetransaction host 14, and a remote card validator 15. The host canauthorize an ATM transaction. The validator 15 can validate a user cardused in the ATM transaction. Both the host and validator can include arespective server.

The ATM 12 and transaction host 14 are enabled to communicate through anetwork 16, such as in a manner previously discussed with regard toFIG. 1. The ATM/host network 16 can be proprietary or public (standard).The network 16 may include a telephone line, data line, or lease lineconnection. The network 16 can include several intermediate computers toassist in transferring messages between the ATM 12 and its host 14.

The ATM 12 can be an open systems type ATM. As previously discussed, anopen systems type of ATM can be of the type shown and described in theincorporated by reference International Application PCT/US97/21422 filedNov. 25, 1997. An open systems type of ATM can also be of the type shownand described in U.S. Pat. No. 6,973,442, incorporated herein byreference as if fully rewritten herein. The network 16 can include alocal area network, a wide area network, and/or the Internet. The ATM 12can be connected through a TCP/IP connection to the transaction hostserver 14. In addition, the transaction server 14 may be connected toother networked servers.

The card validator 15 is operatively connected to a database 19. The ATM12 and card validator 15 are enabled to communicate through a network17. The ATM/validator network 17 can also be a public (standard)network. For example, the network 17 can include a local area network, awide area network, and/or the Internet. Thus, both network 16 andnetwork 17 can be the Internet. The ATM 12 can be connected through aTCP/IP connection to the card validator server 15. The validator servermay also be connected to other networked servers. These other networkedservers may assist the validator 15 in verifying the authenticity of auser card presented at an ATM. Such assistance may include dataretrieval assistance, data processing assistance, etc. It should beunderstood that the configuration shown in FIG. 98 is exemplary and inother arrangements having independent ATM-to-host and ATM-to-validatorcommunications other configurations may be used.

FIG. 99 shows a validation arrangement that enables an authenticationexamination to be carried out on a card presented at an ATM. The ATM 12and the validation server 15 are enabled to communicate through anetwork in a manner as previously described with regard to FIG. 98. Thevalidation server 15 can access the database 19. In the database 19identifier data and reference magnetic print data are stored incorrelated relationship. Such correlated storage being known. Thus, thevalidation server 15 can access the particular reference magnetic print(R₁, R₂, R_(x)) from the database 19 which corresponds to a particularidentifier (I₁, I₂, I_(x)).

An exemplary process of validating a registered card as authentic willnow be described. The ATM 12 reads an identifier (I_(x)) and themagnetic print from the card. In this process the type of identifierused will be a PAN. However, as previously discussed, other identifierscan also be used. The ATM 12 sends the read PAN (I_(x)) and the readmagnetic print to the validation server 15 in a card validation requestmessage. Responsive to receiving the request message, the validationserver 15 uses the PAN (I_(x)) to access from the database 19 thereference magnetic print (R_(x)) which correlates to that particular PAN(I_(x)).

The validation server 15 then causes the read magnetic print to becompared to the accessed reference magnetic print (R_(x)). A result ofthe comparison is produced. As shown, the comparison analysis may beperformed by a comparison unit 21. The comparison unit may be locally orremotely (e.g., network) connected to the validation server 15. However,it should be understood that other manners of comparison may be used inother configurations. For example, the validation server 15 itself maybe used to perform the comparison and generate the result.

The validation server 15 then causes the comparison result to be sent tothe ATM 12 in a response message. As previously discussed, thecomparison result may be a final decision on the card authenticity(e.g., a pass/fail decision). That is, the validation server 15 mayprovide the final decision to the ATM 12.

Alternatively, as previously discussed, the comparison result may berepresented as a score. That is, the validation server 15 does notprovide the final decision. Rather, the ATM 12 (or some other computerin operative connection with the ATM) makes the final decision. Asshown, the final decision may be made by a decision unit 23. Thedecision unit 23 may be locally or remotely (e.g., network) connected tothe ATM 12. The decision making process can be totally independent ofthe transaction host 14.

Responsive to the ATM 12 having the final decision on the authenticityof the card, the ATM 12 operates to either prevent or allow atransaction to be carried out with the card. As previously discussed, adecision denying a card authenticity can cause generation of a report onthe determining factors. The report can also include evidence that canlater be used by authorities in an investigation of possible criminalactivity with regard to the card.

FIG. 100 is a schematic view of an exemplary embodiment in which an ATMnetwork system is in operative connection with a card validationarrangement 73. FIG. 100 is comparable to the arrangement shown in FIG.2. However, in FIG. 100 a card validation arrangement is shown insteadof a customer marketing arrangement.

As shown, the TCP/IP network 108 has connected thereto a computer thatis independent from a transaction host. In an exemplary embodiment, thiscomputer is a card validation server 111. The card validator server 111is in operative connection with a database 113. Database 113 in thisexemplary system includes data related to user cards, such as referencemagnetic prints and correlated identifiers, as previously discussed. Itshould be understood that communication methods other than TCP/IP may beused.

The card validator server 111 may also be connected to a validationsystem 115 via a network. The validation system may include one or moreconnected computers and databases, such as a data warehouse which isused for holding information concerning clients of the validationsystem. Validation system 115 may in addition or alternatively be asystem that can be accessed by the validation server 111 for purposes ofimporting validation materials and updates. Validation system 115 mayalso or alternatively be a connected system for providing outputs whichmay be used to follow up on ATM responses or to respond to ATM networkrequests. For example, may be involved in providing data for thegeneration of reports related to potential fraud. The validation system115 may also include capabilities for analyzing and modifying validationresult message formats and validation process techniques. The validationsystem 115 can assist in overseeing the control and operation of thecard validator server 111. Various different or additional features mayalso be employed in the various systems connected to the card validatorserver 111 and validation system 115.

FIG. 101 shows a view of a single ATM 75 operatively connected to aplurality of independent servers, including a financial transaction hostserver 105, a marketing server 110, and a card validation server 111. Itshould be understood that a plurality of ATMs, including ATMs fromdifferent ATM networks, can each be operative to independentlycommunicate with each of the respective servers 105, 110, 111. ATMcommunication with one server can be autonomous from any communicationwith the other servers. Furthermore, each ATM can simultaneouslycommunicate with each of the different servers 105, 110, 111 during atransaction being conducted at that respective ATM. Similarly, eachrespective server 105, 110, 111 can also simultaneously communicate witha plurality of ATMs.

FIG. 102 shows an expansion of the arrangement illustrated in FIG. 101.Whereas FIG. 101 showed a single ATM, FIG. 102 shows a plurality ofATMs. In FIG. 102 each of the ATMs are in operative connection withtransaction hosts, a marketing server 110, and a card validation server111. FIG. 102 is generally a combination of FIG. 2 and FIG. 100. Thereferenced features therein have been previously described.

As previously discussed, in an exemplary embodiment a card is registeredat an ATM. However, a card can also be registered in some other mannernot involving an ATM. For example, card registration can be performed atthe time of card issue. Some other processes for registering a card willnow be discussed.

In a different card registration process, holders of ATM cards mustphysically take their card to a local branch of the bank that issuedtheir card. The bank internally performs the card registration (withmagnetic print data capture) on behalf of the customer. However, use ofbank branches for card registration has drawbacks, especially whencompared to the previously discussed use of an ATM for cardregistration. For example, banks would entail labor, hardware, andstorage costs. Customers would be inconvenienced by time and distance toa bank branch. Additionally, other cards that are usable in an ATM, suchas credit cards and debit cards, may not have been issued by a bank.These cards would have to be registered in some other remote manner.

Another card registration process will now be described. As previouslydiscussed, a reference magnetic print could be correlated one-to-one instorage with a sole card/user identifier (e.g., a PAN). However, thisregistration method does not involve the use of a unique identifier. Theidentifier can be a shared identifier. Instead of comparing a receivedmagnetic print against only one reference magnetic print (as previouslydiscussed), the received magnetic print is compared against a pluralityof magnetic prints from the database.

For example, a stored identifier (for a reference magnetic print) may bethe name of a bank that issued the card. Thus, the received magneticprint would be compared against all stored reference magnetic printsthat correspond to that bank name identifier. A separate data storecould be used to store reference magnetic prints corresponding to thatbank name. In another example, a stored identifier may be a date rangein which a card was issued or in which the card expires. Likewise, thereceived magnetic print would be compared against all stored referencemagnetic prints that correspond to that date range identifier.

Alternatively, card registration could be performed without the use ofany corresponding card/user identifier. As a result, a received magneticprint would need to be compared against all reference magnetic prints.The validation system (and ATM network) could treat every receivedmagnetic print as having already been registered. Therefore, if amagnetic print read from a card did not match a registered magneticprint stored in the database, then the card would be prevented frombeing used to complete an ATM transaction. Card registration without theuse of a correlating identifier could be carried out at the time of cardissue or, in a manner previously discussed, at an ATM though a separateuser transaction selection for card registration.

In other exemplary embodiments, an ATM can cause a registrationindicator to be stored on and/or in a card. The registration indicatorcan serve the purpose of quickly informing an ATM that the card has beenregistered. For example, a registration indicator may be a readable,locally stored, marking placed on a magnetic stripe of the card. Themarking can be detected by ATMs. An indicator marking can be stored on acard (not already having an indicator marking) during registration ofthe card at an ATM. A registration indicator (detectable by an ATM) canalso be placed on a card at the time of card issue.

In the registration indicator embodiment, a registration indicator canalso be placed by an ATM on a card previously registered yet does nothave an indicator marking. For example, a card may have been registeredat issue by a bank. Thus, the card may not have a registration indicatorlocated thereon. An ATM can check with the host or the validator onwhether a card without a marking was previously registered. The host canuse the correlating PAN to decide. The validator can likewise use thePAN or even the magnetic print. If the card is confirmed as registered,then the ATM can place an indicator marking thereon.

In the registration indicator embodiment, if the card was notregistered, then the user can be given a choice to register the card.For example, in a manner previously discussed, the user can select tohave the card registered at an ATM. Without the card being registered,the card may not be used to carry out a transaction at the ATM. If aregistration indicator cannot be detected by the ATM, then the ATM canalso be saved from unnecessarily reading the card's magnetic print. Thatis, the magnetic print card reader can be preserved from unnecessaryusage and wear.

In another exemplary embodiment, a registration indicator can berepresented through modification of data in a card's magnetic stripe.That is, the magnetic stripe data itself may be modified, such as bybeing lengthened with additional data or strategic placement of values,to reflect that the card was registered. Alternatively, a registrationindicator may be remotely stored by the host in correlating relationwith the card's PAN. After sending the PAN to the host, the ATM can beinformed whether the card was registered. It should be understood thatthese methods of indicating and detecting card registration areexemplary, and other methods can be used.

The next time a card is used at an ATM, the presence of a registrationindicator will try to be detected by the ATM. Upon registrationdetection, the ATM will cause the magnetic print to be read and sent tothe validator server for card validation analysis.

If a read card is detected as registered, yet fails a magnetic printvalidation, then the card is presumed to be a non-original card (e.g., acopied card). Thus, an ATM transaction is not permitted with such card.As a result, the account owner (who has possession of the registeredoriginal card) is protected from financial theft.

However, a card owner may have previously refused or waived cardregistration. Such information on card owners can be stored in aforfeiture database. Such card owners can be allowed to carry out atransaction without a registered card. An ATM can be provided access tothe information. If such a non-registered card is presented at an ATMfor a transaction, then no registration indicator can be detected. Next,the ATM can check the forfeiture information. As a result of the cardowner denying registration, the card owner will not be afforded theadditional level of security provided by the card validation process.Thus, even though an ATM transaction may be allowed to proceed with thenon-registered card, a validation check on whether the card is authenticwill be bypassed. As a result, the card owner will remain vulnerable toa card fraud that could have been prevented with card registration.

It should be understood, as previously discussed, that registrationprotection is not limited to card information. Other unique identifierscan be used to protect an assigned holder of the unique identifier. Aspreviously discussed, user biometric data, passwords, etc. or otheridentifiers can be used to protect registered users from fraudulenttransactions conducted through transaction terminals, computers, orstations.

It should also be understood that although particular discussion hasbeen directed herein to an independent card validation system/server andan independent marketing presentation system/server, other independentservers and systems can also be used that have an effect on ATMoperation. For example, ATMs can be operatively connected toindependently communicate with separate servers for respective differentfunctions or tasks. These tasks could be directed to PIN validation,check image storage, web page display, application, and eventmanagement. Each of these servers can be independent (in function and/orcommunication) from the ATM transaction host server.

The ATM could separately communicate with a PIN validation server. TheATM could send an entered PIN along with an identifier (e.g., PAN) to anindependent PIN validation server for PIN confirmation.

The ATM could separately communicate with a check image server. The ATMcould capture a check image and send it to a check image server forstorage and later retrieval.

The ATM could separately communicate with a web page display server toaccess pages to be displayed at the ATM. The pages could be transactionflow pages including transaction selection pages, user instructionpages, etc.

The ATM could separately communicate with an application server tooperate the ATM, control or manage transaction flow, etc. The ATM can bearranged as a dumb box being under outside remote control.

The ATM could separately communicate with an event server. The eventserver could monitor events and coordinate actions in response to theseevents. For example, the event server could detect problems like lowcash supply and bad display output, and then initiate action to causefixing thereof. The event server could also oversee security for theATM, including camera control, security status, etc. The event servercould also provide system diagnostics, including remote control ofprograms to check status of ATM devices, device updates, etc.

As previously mentioned, a magnetic stripe on a card can be identifiedand authenticated on the basis of repeatable magnetic characteristicsunique to that magnetic stripe. FIG. 103 shows a magnetic reading orsensing block. The reading device can measure the characteristics of aportion of a magnetic field emanating from a magnetic stripe. Thereading block includes an array 121 of magnetic read heads. Eachmagnetic read head 123 can have an aperture through which a magneticflux being read passes. Also shown, a read head aperture can berectangular and have a width w which corresponds to the length of thelongitudinal edge 125, and a height h which corresponds to the length ofthe lateral edges 127. In other embodiments, other differently shapedapertures can be used. Aperture shapes can be used that form a patternthat covers the entire magnetic field.

An array of magnetic reading heads can have gaps of width g between thelongitudinal edges of the read heads. Each read head can have an output129 that generates a signal indicative of the portion of the magneticfield being measured by that magnetic reading head. Any type of magneticreading head (e.g., magneto-resistive reading heads, inductive readingheads, etc.) can be used in the structure of the array of magneticreading heads. Multi dimensional arrays of magnetic reading heads can beused in forming a reading block.

A banking system that is controlled by data bearing records can includean automated transaction machine or automated banking machine. FIG. 104shows an automated transaction machine. The machine enables a userthereof to carry out a transaction. The machine 550 shown in FIG. 104can be an automated teller machine (ATM). The machine can include one ormore cash dispensers that are operative to a dispense cash to users ofthe machine. The machine can include a fascia 552 which serves as a userinterface (or customer interface).

The automated banking machine 550 includes a housing 554 which housescertain components of the machine. The housing 554 includes a door thatenables an authorized person to access the interior of the machine. Thecomponents of the machine include input and output devices. The inputdevices may include one or more reader devices, schematically indicated556. The reader device is operative to read data bearing recordspresented by machine users. Such records can include data correspondingto at least one of the associated user, one or more user financialaccounts, and/or other data. In an exemplary arrangement the reader 556comprises a card reader that is operative to read a customer's card. Anexemplary card can include information about the customer thereon ortherein, such as the customer's name, account number, and/or other data.

A card reader may comprise a magnetic stripe card reader which is ableto read data from magnetic stripes of cards. However, a different cardreader may comprise a contactless card reader. A non-contact card datareading device can be used. For example, a customer bank card can haveone or more radio frequency identification (RFID) tags having customerinformation.

The fascia 552 includes a keypad 558, function keys 560, display 562,receipt outlet slot 564, mini account statement outlet 566, cashdispenser outlet 568 connected to a cash dispenser 569, deposit opening570, a (RFID) card scanning area 572, and a writing shelf 574. It shouldbe understood that these transaction function devices and features ofthe described user interface are exemplary, and in other embodiments theuser interface may include different components and/or features and/orarrangements.

The keypad 558 can include a plurality of input keys which may beactuated by a customer to provide manual inputs to the machine. Thedisplay 562 is viewable by an operator of the machine. The displayenables outputs through a display screen. The display may also enableinputs through the display screen. The function keys 560 can be used topermit a customer to respond to screen prompts output by the display562. Thus, the display can be a display type that enables both outputsand inputs. That is, the display can be both an input and output device.

For example, the display 562 may be a touch screen display which enablesoutputs through displays on the screen and enables customers to provideinputs by placing a finger adjacent to areas of the screen. A combinedinput and output device, such as a touch screen display, can provideoutputs to a user as well as receiving inputs from the user. The display562 may include an LCD, plasma, CRT, or other display type that iscapable of providing visible indicia, such as still images or motion(continuously moving) video, to a customer.

It should be understood that in various forms of the invention othertypes of input devices may be used, such as biometric readers that maybe operative to receive customer identifying inputs such asfingerprints, iris scans, retina scans, and face topography data thatprovide data that is usable to identify a user. One or more cameradevices may also be used to serve as input devices for biometricfeatures and the like. Other input devices such as speech or voicerecognition devices, facial recognition arrangements, inductance typereaders, IR type readers, and other types of devices which are capableof receiving information that identifies (or can be used to identify) acustomer and/or their account may also be used. An example of an ATMthat uses biometric input devices and other types of input devices isshown in U.S. Pat. No. 6,023,688, the disclosure of which is hereinincorporated by reference.

Further output devices associated with the exemplary user interface caninclude a speaker. A headphone jack can also be used to serve as anoutput device. A headphone jack may be connected to a headphone providedby a user who is visually impaired to provide the user with voiceguidance in the operation of the machine. Alternatively, the machine 550may provide a headphone for a customer. A microphone can also be used toserve as an input device.

The automated banking machine 550 may also include a receipt providerwhich is operative to provide users of the machine with receiptsreflecting transactions conducted at the machine. A printer device canbe used that is operative to print receipts. Transaction receipts may beprovided to users through a receipt delivery slot extending through afascia portion. Exemplary receipt printers that may be used inembodiments are shown in U.S. Pat. No. 5,729,379 and U.S. Pat. No.5,850,075, the disclosures of which are herein incorporated byreference.

Exemplary machine embodiments may also include other types of printingmechanisms such as statement printer mechanisms, ticket printingmechanisms, check printing mechanisms, and other devices that operate toapply indicia to media in the course of performing transactions carriedout with the machine.

In other embodiments, output devices may include devices such as audiospeakers, IR transmitters, or other types of devices that are capable ofproviding outputs which may be perceived by a user either directly orthrough use of a computing device, article, or other machine. Exemplaryautomated banking machine features and systems are further shown in U.S.Pat. Nos. 6,705,517; 6,682,068; 6,672,505; and 6,598,023, thedisclosures of which are incorporated herein by reference.

The machine 550 can also include a deposit acceptance area. The depositacceptance area is an area through which deposits or deposit documents,such as cash, checks, deposit envelopes, deposit slips, etc., to bedeposited by users (or used in a deposit transaction) can be placed intothe machine. The deposit acceptance area can include the deposit opening570. The deposit opening 570 is in operative connection with a depositaccepting device positioned in a secure chest area of the machine.Exemplary types of deposit accepting devices are shown in U.S. Pat. No.4,884,769 and U.S. Pat. No. 4,597,330, the disclosures of which areherein incorporated by reference.

The machine 550 may also include a check reader device 576 that cangenerate images of checks received through the opening 570. The machineis operative to transmit check images to a remote (bank host) computeras part of a transaction. The machine is also operative to store checkimages locally in a data store or in a database associated with themachine. It should be understood that these input and output devices ofthe user interface are exemplary and in other embodiments, other ordifferent input and output devices may be used.

The automated banking machine 550 can include one or more internalcomputers, which may be alternatively referred to herein as controllers.These internal computers can include one or more processors. Theseprocessors may be in operative connection with one or more data stores,locally or remotely located. In some embodiments, processors can belocated on certain devices within the ATM so as to individually controlthe operation thereof. Examples such as multi-tiered processor systemsare shown in U.S. Pat. No. 6,264,101 and U.S. Pat. No. 6,131,809, thedisclosures of which are herein incorporated by reference.

In an exemplary arrangement to conduct transactions, the machine 550 cancommunicate with one or more computers remotely located from themachine. These remote computers are operative to exchange messages withthe machine. For example, the remote computers may be used to authorizeand record the occurrence of various transactions.

The machine 550 may communicate through a network with a transactionhost, such as a bank or financial transaction entity. The host has atleast one computer which is operative to exchange messages and/orcommunications with the machine. For example, a bank may receive one ormore messages from the machine requesting authorization to allow acustomer to withdraw $200 from the customer's account. A computer at thebank can operate to determine that such a withdrawal is authorized. Thecomputer, or another computer affiliated therewith, can then return oneor more messages to the machine through the network authorizing themachine to allow the withdrawal transaction.

In an exemplary embodiment, at least one processor in the machine 550 isoperative to cause the communication of data corresponding to data readfrom a user's card. The read card data can be sent from the machine to aremote (bank) computer as part of one or more messages. The machine mayalso communicate other data corresponding to user inputs to the remotecomputer, such as a personal identification number (PIN), a primaryaccount number (PAN), and/or transaction request data. The remotecomputer can operate to compare the data corresponding to card dataand/or PIN data to stored data, which corresponds to authorized users,in at least one data store associated with the remote computer.Responsive to the user data being recognized as authorized user data bya computer, the remote computer can communicate at least one message tothe machine which corresponds to authorization to carry out therequested transaction. The authorization may also require a permissibletransaction request from the user.

After the machine 550 conducts the functions to accomplish atransaction, such as dispensing cash or depositing a check, the machinecan send one or more messages back through the network to the bankindicating that the transaction was successfully carried out. Of course,these message types are merely exemplary and other transaction messagesmay be used.

It should be understood that in some embodiments the machine 550 maycommunicate with other entities and through various networks. Forexample, in an exemplary embodiment the machine can communicate withcomputers operated by machine service providers. Such machine servicersmay comprise entities which are to be notified of status conditions ormalfunctions of the machine, as well as entities who are to be notifiedof corrective actions. A service person may be able to service amalfunctioning machine. An example of such a system is shown in U.S.Pat. No. 5,984,178, the disclosure of which is herein incorporated byreference.

Other third parties may also receive notifications from the machine 550.These other parties may include entities responsible for deliveringcurrency to the machine to ensure that the currency supplies in themachine do not become depleted. Further entities may be responsible forremoving deposited items from the machine.

Additional entities may be notified of actions at the machine. Theseadditional entities may include entities which hold marketing dataconcerning consumers and who provide messages which correspond tomarketing messages (e.g., advertisements) to be presented to consumers.These additional entities may also be able to communicate with themachine to provide marketing messages to machine users.

Various types of messages may be provided to remote systems and entitiesby an automated transaction machine depending on the needed machinecapabilities in various embodiments and the types of transactions beingconducted. Furthermore, machine communication with the various entitiescan be independent and separate from of any machine communication withthe transaction host. That is, communication may occur (directly)between the machine and a third party without involving the transactionhost. Different networks, communication paths, and/or addresses can beused to keep the communications isolated. Thus, the machine 550 can keepnon financial transaction communication separated from financialtransaction communication. The two (or more) open communication pathscan also be operated independently simultaneously, with no pathcontingent on another. Additionally, a machine communication arrangementmay include use of a proprietary network for secure financialtransaction communication, and use of the Internet used for nonfinancial transaction communication.

Thus, the card/user validation system of an exemplary embodimentachieves the above-stated objectives, eliminates difficultiesencountered in the use of prior devices, methods and systems, andattains the desirable results described herein.

In the foregoing description certain terms have been used for brevity,clarity and understanding, however, no unnecessary limitations are to beimplied therefrom because such terms are used for descriptive purposesand are intended to be broadly construed. Moreover, the descriptions andillustrations herein are by way of examples and the invention is notlimited to the details shown and described.

In the following claims any feature described as a means for performinga function shall be construed as encompassing any means known to thoseskilled in the art as capable of performing the recited function, andshall not be deemed limited to the particular means shown in theforegoing description or mere equivalents thereof.

Having described the features, discoveries and principles of theinvention, the manner in which it is constructed and operated and theadvantages and useful results attained, the new and useful structures,devices, elements, arrangements, parts, combinations, systems,equipment, operations, methods, processes and relationships are setforth in the appended claims.

We claim:
 1. Apparatus comprising: an automated banking machine operableto cause financial transfers responsive at least in part to data readfrom data bearing records, wherein the machine includes at least onereader, wherein the at least one reader is operable to read identifyingdata usable to identify a financial account with which the automatedbanking machine is operable responsive at least in part tocomputer-determined association between the identifying data read andthe financial account, to carry out a financial transaction, wherein themachine includes at least one cash dispenser, wherein the at least onecash dispenser is operable to selectively dispense cash from themachine, to machine users authorized to request financial transactionsbased at least in part on identifying data read by the at least onereader, wherein the machine includes at least one display, wherein theat least one display includes at least one display screen, wherein themachine includes at least one input device, wherein the machine includesat least one data store, wherein the at least one data store includescampaign data corresponding to a marketing campaign for customers of themachine, wherein the marketing campaign includes a predeterminedsequence of ordered marketing presentations,  wherein each marketingpresentation differs from each other marketing presentation,  whereinthe marketing presentations include a query marketing presentation, wherein the marketing presentations include a first path marketingpresentation, wherein the marketing campaign includes at least two pathsof marketing presentations,  wherein the query marketing presentationincludes at least one query linked to the at least two paths,  whereinthe first path marketing presentation is in a first path of the at leasttwo paths, wherein the campaign data links the marketing campaign to aplurality of customers authorized to use the machine, wherein thecampaign data indicates a point in the predetermined sequence where eachrespective customer is currently positioned, wherein for each respectivecustomer, the machine is configured to present through the at least onedisplay during a machine session conducted by the respective customer, anext marketing presentation assigned to the respective customer,responsive at least in part to the at least one reader readingrespective customer data that is linked to the predetermined sequence ata respective point which corresponds to the next marketing presentationassigned to the respective customer, wherein for each respectivecustomer, the machine is configured to present the first path marketingpresentation to the respective customer through the at least one displayduring a further machine session conducted by the respective customer,responsive at least in part to both the machine having received inresponse to prior presentation of the query marketing presentation tothe respective customer, customer input which led to a point in thefirst path, and the at least one reader reading during the furthermachine session, respective customer data that is linked to thepredetermined sequence at a point in the first path where the first pathmarketing presentation is to be presented to the respective customer. 2.The apparatus according to claim 1 wherein the machine is part of abanking system that includes a plurality of cash dispensing automatedbanking machines, wherein each machine includes at least one readercomprising a card reader and a biometric reader, wherein each machine isrespectively associated with at least one processor, wherein the atleast one processor is operative during a transaction to cause card datato be read from a user card through operation of the card reader, andcause biometric data to be read from a user through operation of thebiometric reader, wherein the at least one processor is operative tocause read card data to be compared with card information stored in anauthorized machine user information data store, wherein the at least oneprocessor is operative to cause read biometric data to be compared withbiometric information stored in the authorized machine user informationdata store, wherein the at least one processor is operative to authorizea machine user to request a transaction responsive at least in part toboth computer-determined correspondence between the read card data andstored card information, and computer-determined correspondence betweenthe read biometric data and stored biometric information.
 3. Apparatuscomprising: at least one data store associated with at least oneautomated banking machine that is operable to cause financial transfersresponsive at least in part to data read from data bearing records,wherein the at least one machine includes at least one reader, whereinthe at least one reader is operable to read identifying data usable toidentify a financial account with which the at least one machine isoperable responsive at least in part to computer-determined associationbetween the identifying data read and the financial account, to carryout a financial transaction, wherein the at least one machine includesat least one cash dispenser, wherein the at least one cash dispenser isoperable to selectively dispense cash from the at least one machine, tomachine users authorized to request financial transactions based atleast in part on identifying data read by the at least one reader,wherein the at least one machine includes at least one display, whereinthe at least one display includes at least one display screen, whereinthe at least one machine includes at least one input device, wherein theat least one data store includes campaign data corresponding to amarketing campaign for customers of the at least one machine, whereinthe marketing campaign includes data corresponding to a predeterminedsequence of ordered marketing presentations, wherein each marketingpresentation differs from each other marketing presentation, wherein themarketing presentations include a query marketing presentation, whereinthe marketing presentations include a first path marketing presentation,wherein the marketing campaign includes at least two paths of marketingpresentations, wherein the query marketing presentation includes atleast one query linked to the at least two paths, wherein the first pathmarketing presentation is in a first path of the at least two paths,wherein the campaign data links the marketing campaign to a plurality ofcustomers authorized to use the at least one machine, wherein thecampaign data indicates a point in the predetermined sequence where eachrespective customer is currently positioned, wherein for each respectivecustomer, the campaign data enables the at least one machine to presentthrough the at least one display during a machine session conducted bythe respective customer, a next marketing presentation assigned to therespective customer, responsive at least in part to the at least onereader reading respective customer data that is linked to thepredetermined sequence at a respective point which corresponds to thenext marketing presentation assigned to the respective customer, whereinfor each respective customer, the campaign data enables the at least onemachine to present the first path marketing presentation to therespective customer through the at least one display during a furthermachine session conducted by the respective customer, responsive atleast in part to both the at least one machine having received inresponse to prior presentation of the query marketing presentation tothe respective customer, customer input which led to a point in thefirst path, and the at least one reader reading during the furthermachine session, respective customer data that is linked to thepredetermined sequence at a point in the first path where the first pathmarketing presentation is to be presented to the respective customer. 4.The apparatus according to claim 3 wherein the at least one machine ispart of a banking system that includes a plurality of cash dispensingautomated banking machines, wherein each machine includes at least onereader comprising a card reader and a biometric reader, wherein eachmachine is respectively associated with at least one processor, whereinthe at least one processor is operative during a transaction to causecard data to be read from a user card through operation of the cardreader, and cause biometric data to be read from a user throughoperation of the biometric reader, wherein the at least one processor isoperative to cause read card data to be compared with card informationstored in an authorized machine user information data store, wherein theat least one processor is operative to cause read biometric data to becompared with biometric information stored in the authorized machineuser information data store, wherein the at least one processor isoperative to authorize a machine user to request a transactionresponsive at least in part to both computer-determined correspondencebetween the read card data and stored card information, andcomputer-determined correspondence between the read biometric data andstored biometric information.
 5. The apparatus according to claim 3wherein the at least one machine comprises a sole machine, wherein thesole machine includes the at least one data store.
 6. The apparatusaccording to claim 3 wherein for each respective customer, the campaigndata enables: a first machine of the at least one machine to present thenext marketing presentation assigned to the respective customer, and asecond machine of the at least one machine to present the first pathmarketing presentation to the respective customer, wherein the secondmachine differs from the first machine.
 7. A method involving at leastone data store associated with at least one automated banking machinethat is operable to cause financial transfers responsive at least inpart to data read from data bearing records, wherein the at least onemachine includes at least one reader, wherein the method comprises: (a)accessing the at least one data store; and (b) storing in the at leastone data store accessed in (a), campaign data corresponding to amarketing campaign for customers of the at least one machine, whereinthe marketing campaign includes data corresponding to a predeterminedsequence of ordered marketing presentations, wherein each marketingpresentation differs from each other marketing presentation, wherein themarketing presentations include a query marketing presentation, whereinthe marketing presentations include a first path marketing presentation,wherein the marketing campaign includes at least two paths of marketingpresentations, wherein the query marketing presentation includes atleast one query linked to the at least two paths, wherein the first pathmarketing presentation is in a first path of the at least two paths,wherein the campaign data links the marketing campaign to a plurality ofcustomers authorized to use the at least one machine, wherein thecampaign data indicates a point in the predetermined sequence where eachrespective customer is currently positioned, wherein for each respectivecustomer, the campaign data is configured to cause the at least onemachine to present through the at least one display during a machinesession conducted by the respective customer, a next marketingpresentation assigned to the respective customer, responsive at least inpart to the at least one reader reading respective customer data that islinked to the predetermined sequence at a respective point whichcorresponds to the next marketing presentation assigned to therespective customer, wherein for each respective customer, the campaigndata is configured to cause the at least one machine to present thefirst path marketing presentation to the respective customer through theat least one display during a further machine session conducted by therespective customer, responsive at least in part to both the at leastone machine having received in response to prior presentation of thequery marketing presentation to the respective customer, customer inputwhich led to a point in the first path, and the at least one readerreading during the further machine session, respective customer datathat is linked to the predetermined sequence at a point in the firstpath where the first path marketing presentation is to be presented tothe respective customer.
 8. The method according to claim 7 wherein theat least one reader includes a card reader and a biometric reader,wherein each automated banking machine: includes at least one cashdispenser, and is associated with at least one processor, wherein the atleast one processor is operable to: cause card data to be read from auser card through operation of the card reader, and cause biometric datato be read from a customer through operation of the biometric reader,and wherein the machine session includes: (i) operating the card readerto read card data; (ii) operating the biometric reader to read biometricdata; (iii) determining whether the respective customer is allowed torequest a cash dispense transaction, responsive at least in part to bothcomputer-determined correspondence between the card data read in (i) andstored card information, and computer-determined correspondence betweenthe biometric data read in (ii) and stored biometric information.
 9. Themethod according to claim 7 wherein the at least one data store isassociated with at least one automated banking machine that comprises asole machine, wherein the sole machine includes the at least one datastore and at least one cash dispenser.
 10. The method according to claim7 wherein the at least one data store is associated with a plurality ofautomated banking machines, wherein each machine includes at least onecash dispenser, wherein each cash dispenser is operable to selectivelydispense cash to machine users authorized to request financialtransactions based at least in part on customer data read by the atleast one reader.
 11. The method according to claim 7 and furthercomprising: (c) accessing the at least one data store responsive atleast in part to the at least one reader reading first customer dataduring a first transaction session that involves a first customer andthe at least one automated banking machine, in determining that thefirst customer data is associated in the at least one data store with afirst marketing presentation that is to be displayed during the firsttransaction session; and (d) subsequent to (c), accessing the at leastone data store responsive at least in part to the at least one readerreading the first customer data during a next transaction session thatinvolves the first customer and the at least one automated bankingmachine, in determining that the first customer data is associated inthe at least one data store with a next marketing presentation that isto be displayed during the next transaction session.
 12. The methodaccording to claim 11 wherein the first transaction session in (c) andthe next transaction session in (d) involve the same automated bankingmachine.
 13. The method according to claim 11 wherein in (c) the firsttransaction session involves a first automated banking machine, andwherein in (d) the next transaction session involves a second automatedbanking machine which differs from the first automated banking machine.14. A method comprising: (a) developing a banking system marketingcampaign application that is operable with a plurality of banking systemautomated banking machines operable to cause financial transfersresponsive at least in part to data read from data bearing records,wherein the marketing campaign application is associated with at leastone data store that includes both: a marketing campaign comprising datacorresponding to a predetermined sequence of ordered marketingpresentations that are to be presented to a plurality of customers,wherein the predetermined sequence includes at least two paths ofmarketing presentations,  wherein a first path marketing presentation isin a first path of the at least two paths, wherein the marketingpresentations include a query marketing presentation,  wherein the querymarketing presentation includes at least one query linked to the atleast two paths, wherein each marketing presentation differs from eachother marketing presentation, and campaign data which: links themarketing campaign to each respective customer, and indicates a point inthe predetermined sequence where each respective customer is currentlypositioned, wherein the marketing campaign application includes computerexecutable instructions, wherein the computer executable instructionsare operable to cause at least one computer associated with the machinesto: (i) determine during a machine session involving a machine of themachines and a first customer of the customers, a marketing presentationin the predetermined sequence that is to be presented to the firstcustomer,  wherein the determination is based at least in part on thefirst customer being linked in the at least one data store with themarketing campaign at a particular point in the predetermined sequence,(ii) determine during another machine session involving a machine of themachines and the first customer, a next marketing presentation in thepredetermined sequence that is to be presented to the first customer, wherein the determination is based at least in part on the firstcustomer being linked in the at least one data store with the marketingcampaign at a further particular point in the predetermined sequence, wherein the further particular point is subsequently positioned in thepredetermined sequence relative to the particular point in (i), whereinthe computer executable instructions are operable, responsive at leastin part to  the marketing presentation in (i) comprising the querymarketing presentation, and  the machine in (i) receiving first customerinput which leads to a point in the first path, to cause the at leastone computer to cause the next marketing presentation in (ii) tocomprise the first path marketing presentation; and (b) storing in atleast one data store, the marketing campaign application developed (a).15. The method according to claim 14 wherein each automated bankingmachine: includes at least one reader, wherein the at least one readerincludes a card reader and a biometric reader, includes at least onecash dispenser, and is associated with at least one processor, whereinthe at least one processor is operable to cause card data to be readfrom a user card through operation of the card reader, and causebiometric data to be read from a customer through operation of thebiometric reader, wherein (i) further comprises: (ia) operating the cardreader to read card data (ib) operating the biometric reader to readbiometric data; (ic) determining whether the first customer is allowedto request a cash dispense transaction, responsive at least in part toboth computer-determined correspondence between the card data read in(ia) and stored card information, and computer-determined correspondencebetween the biometric data read in (ib) and stored biometricinformation.
 16. The method according to claim 14 wherein each machineincludes at least one cash dispenser, wherein each cash dispenser isoperable to selectively dispense cash to machine users authorized torequest financial transactions based at least in part on identifyingdata read by the at least one reader.
 17. The method according to claim14 wherein the machine session in (i) involves a first automated bankingmachine, and wherein the another machine session in (ii) involves asecond automated banking machine which differs from the first automatedbanking machine.
 18. The method according to claim 14 and furthercomprising: (c) determining during a machine session involving a machineof the machines and the first customer, a marketing presentation in thepredetermined sequence that is to be presented to the first customer;and (d) determining during another machine session involving a machineof the machines and the first customer, a next marketing presentation inthe predetermined sequence that is to be presented to the firstcustomer.
 19. The method according to claim 18 wherein the machinesession in (c) and the another machine session in (d) involve the sameautomated banking machine.
 20. The method according to claim 18 whereinthe machine session in (c) involves a first automated banking machine,and wherein the another machine session in (d) involves a secondautomated banking machine which differs from the first automated bankingmachine.
 21. The system according to claim 1 wherein the at least onereader includes a magnetic stripe card reader, wherein the magneticstripe card reader is operable to read a distinct magneticcharacteristic from a magnetic stripe of a user card provided to themachine, wherein the distinct magnetic characteristic comprises auniquely identifiable magnetic field pattern resulting as a byproduct ofmanufacturing the magnetic stripe, wherein the machine is associatedwith at least one processor, wherein the at least one processor isoperable to cause a uniquely identifiable magnetic field pattern read bythe magnetic stripe card reader to be compared with card informationstored in an authorized user information data store, wherein the atleast one processor is operable to allow a machine user to request afinancial transaction, responsive at least in part tocomputer-determined correspondence between the read uniquelyidentifiable magnetic field pattern and card information stored in theauthorized user information data store.